# EDGAR Filing Document

**Accession Number:** 0002103478
**File Stem:** 0001213900-26-018857
**Filing Date:** 2026-2
**Character Count:** 5572777
**Document Hash:** 7df19d47463a551e0a5e8ac64a9d0db0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-018857.hdr.sgml**: 20260220

**ACCESSION NUMBER**: 0001213900-26-018857

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

**PUBLIC DOCUMENT COUNT**: 100

**CONFORMED PERIOD OF REPORT**: 20260220

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

**FILED AS OF DATE**: 20260220

**DATE AS OF CHANGE**: 20260220

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM1, LLC
- **CENTRAL INDEX KEY:** 0002103478

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08336
- **FILM NUMBER:** 26660911

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM1, LLC
- **CENTRAL INDEX KEY:** 0002103478

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM1, LLC
- **CENTRAL INDEX KEY:** 0002103478

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08336

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

OMB Number: 3235-0675

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

<br> **FORM ABS-15G**

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

**<u>PRP DEPOSITOR 2026-NQM1, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002103478</u>

PRPM 2026-NQM1 Trust

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2026-NQM1, LLC | PRP DEPOSITOR 2026-NQM1, LLC |
| Date: February 20, 2026 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea027780801_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea027780801_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea027780801_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades](ea027780801_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea027780801_ex99-1sch4.htm)

[Schedule 5 – Supplemental Data](ea027780801_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea027780801_ex99-2.htm)

[Schedule 1 – ATR OR QM Report](ea027780801_ex99-2sch1.htm)

[Schedule 2 – Data Compare Report](ea027780801_ex99-2sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea027780801_ex99-2sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea027780801_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea027780801_ex99-2sch5.htm)

[Schedule 6 – Supplemental Data](ea027780801_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clarifii LLC Narrative](ea027780801_ex99-3.htm)

[Schedule 1 – ATR OR QM Report](ea027780801_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea027780801_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea027780801_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea027780801_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea027780801_ex99-3sch5.htm)

[Schedule 6 – Supplemental Data Extract](ea027780801_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Clayton Services LLC Narrative](ea027780801_ex99-4.htm)

[Schedule 1 – Rating Agency ATR QM](ea027780801_ex99-4sch1.htm)

[Schedule 2 – Conditions Detail](ea027780801_ex99-4sch2.htm)

[Schedule 3 – Loan Grades](ea027780801_ex99-4sch3.htm)

[Schedule 4 – Loan Level Tape Compare](ea027780801_ex99-4sch4.htm)

[Schedule 5 – Non ATR QM](ea027780801_ex99-4sch5.htm)

[Schedule 6 – Standard Upload](ea027780801_ex99-4sch6.htm)

[Schedule 7 – Valuations Summary](ea027780801_ex99-4sch7.htm)

[Schedule 8 – Waived Conditions](ea027780801_ex99-4sch8.htm)

[99.5 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea027780801_ex99-5.htm)

[Schedule 1 – Data Compare Report](ea027780801_ex99-5sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027780801_ex99-5sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea027780801_ex99-5sch3.htm)

[Schedule 4 – Valuations Report](ea027780801_ex99-5sch4.htm)

[Schedule 5 – Supplemental Report](ea027780801_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Evolve Mortgage Services Narrative](ea027780801_ex99-6.htm)

[Schedule 1 – Data Compare Report](ea027780801_ex99-6sch1.htm)

[Schedule 2 – Exception Detail Report](ea027780801_ex99-6sch2.htm)

[Schedule 3 – QM ATR Data Report](ea027780801_ex99-6sch3.htm)

[Schedule 4 – RA Grades Report](ea027780801_ex99-6sch4.htm)

[Schedule 5 – Valuation Report](ea027780801_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – StoneHill Group, Inc. Narrative](ea027780801_ex99-7.htm)

[Schedule 1 – ATR OR QM Report](ea027780801_ex99-7sch1.htm)

[Schedule 2 – Data Compare Report](ea027780801_ex99-7sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea027780801_ex99-7sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea027780801_ex99-7sch4.htm)

[Schedule 5 – Valuation Report](ea027780801_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report – Opus Capital Markets Consultants, LLC Narrative](ea027780801_ex99-8.htm)

[Schedule 1 – ATR OR QM Report](ea027780801_ex99-8sch1.htm)

[Schedule 2 – Data Compare Report](ea027780801_ex99-8sch2.htm)

[Schedule 3 – RA Grades Summary](ea027780801_ex99-8sch3.htm)

[Schedule 4 – Standard Findings Report](ea027780801_ex99-8sch4.htm)

[Schedule 5 – Valuation Report](ea027780801_ex99-8sch5.htm)

[Schedule 6 – Infinity – Data Compare](ea027780801_ex99-8sch6.htm)

[Schedule 7 – Infinity – Disposition and Comments](ea027780801_ex99-8sch7.htm)

[Schedule 8 – Infinity – Individual Exception](ea027780801_ex99-8sch8.htm)

[Schedule 9 – Infinity – Loan Level Exception](ea027780801_ex99-8sch9.htm)

[Schedule 10 – Infinity – RA Grades Report](ea027780801_ex99-8sch10.htm)

[Schedule 11 – Infinity – Valuation Report](ea027780801_ex99-8sch11.htm)

[Schedule 12 – Recovco – Data Comparison](ea027780801_ex99-8sch12.htm)

[Schedule 13 – Recovco – Exception Level](ea027780801_ex99-8sch13.htm)

[Schedule 14 – Recovco – Loan Level Exceptions](ea027780801_ex99-8sch14.htm)

[Schedule 15 – Recovco – QM ATR](ea027780801_ex99-8sch15.htm)

[Schedule 16 – Recovco – RA Grades](ea027780801_ex99-8sch16.htm)

[Schedule 17 – Recovco – Supplemental Data](ea027780801_ex99-8sch17.htm)

[Schedule 18 – Recovco – Valuation Summary](ea027780801_ex99-8sch18.htm)

[99.9 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea027780801_ex99-9.htm)

[Schedule 1 – Data Compare Report](ea027780801_ex99-9sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea027780801_ex99-9sch2.htm)

[Schedule 3 – Standard Findings Report](ea027780801_ex99-9sch3.htm)

[Schedule 4 – Valuation Report](ea027780801_ex99-9sch4.htm)

[Schedule 5 – RA Multi-Property Valuation Report](ea027780801_ex99-9sch5.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP-Annex VI AIV, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from August 2017 through November 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (104 loans), the Business Purpose Scope (32 loans), and Business Purpose Limited Compliance Scope (12 loans). The loans reviewed using the Credit and Compliance Scope. Business Purpose Scope and Business Purpose Limited Compliance Scope are together referred to as the mortgage loans.

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

The initial population consisted of 148 mortgage loans.

The final population of the Review covered 148 mortgage loans totaling an aggregate original principal balance of approximately $73.656 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;Coborrower Total Income | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original PITI |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Index Value | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Total Cash-out |

---

1 \| P a g e

![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original HCLTV |  |

---

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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![](ex99-1_001.jpg)

**<u>BUSINESS SCOPE LIMITED COMPLIANCE REVIEW</u>**

Includes Business Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

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

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.

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![](ex99-1_001.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred forty-eight (148) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch NRSRO grading criteria forty-seven (47) loans (31.76%) had an Overall grade of "A", and one hundred one (101) loans (68.24%) had an Overall grade of "B". No loans had an Overall grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;31.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;101 | &nbsp;&nbsp;68.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Ninety-three (93) loans (62.84%) reviewed received an "A" Credit grade and fifty-five (55) loans (37.16%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit Loan Grades** | &nbsp;&nbsp;**Fitch Credit Loan Grades** | &nbsp;&nbsp;**Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;93 | &nbsp;&nbsp;62.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;37.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Thirty-two (32) loans were reviewed under the Business Purpose scope and did not contain a compliance review listed as N/A in the chart below and not calculated into percentages. After all documents were presented, under the applicable Fitch NRSRO grading criteria forty-seven (47) loans (40.52%) had a Compliance grade of "A" and sixty-nine (69) loans (59.48%) had a Compliance grade of "B". No loans had a Compliance grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;40.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;69 | &nbsp;&nbsp;59.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**116** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred forty-eight (148) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable and Fitch NRSRO grading criteria one hundred forty-seven (147) loans (99.32%) had a Property grade of "A" and one (1) loan (0.68%) had a Property grade of "B". No loans had a Property grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Fitch Property Loan Grades** | &nbsp;&nbsp; **Fitch Property Loan Grades** | &nbsp;&nbsp; **Fitch Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;147 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred forty-eight (148) Loans reviewed, one hundred eight (108) unique Loans had three hundred seventy-eight (378) different tape discrepancies across twenty-eight (28) data fields (some Loans had more than one data delta). The most variances were found on PITIA Reserves Months, Product Description and Escrow Account.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;26 | &nbsp;&nbsp;19.23% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;44 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;92 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;119 | &nbsp;&nbsp;13.45% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;137 | &nbsp;&nbsp;0.73% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Coborrower Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;92 | &nbsp;&nbsp;16.30% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;45 | &nbsp;&nbsp;83 | &nbsp;&nbsp;54.22% | &nbsp;&nbsp;148 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |

---

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;12 | &nbsp;&nbsp;82 | &nbsp;&nbsp;14.63% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Index Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;97 | &nbsp;&nbsp;11.34% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;34 | &nbsp;&nbsp;82 | &nbsp;&nbsp;41.46% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;51 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;9 | &nbsp;&nbsp;142 | &nbsp;&nbsp;6.34% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;140 | &nbsp;&nbsp;2.14% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;123 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original PITI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;78 | &nbsp;&nbsp;92 | &nbsp;&nbsp;84.78% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;34 | &nbsp;&nbsp;85 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;60 | &nbsp;&nbsp;84 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;136 | &nbsp;&nbsp;9.56% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;131 | &nbsp;&nbsp;1.53% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;137 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;123 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;133 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;148 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**378** | &nbsp;&nbsp;**3174** | &nbsp;&nbsp;**11.91%** | &nbsp;&nbsp;**148** |

---

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![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;135 | &nbsp;&nbsp;91.22% | &nbsp;&nbsp;$68073599.40 | &nbsp;&nbsp;92.42% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;13 | &nbsp;&nbsp;8.78% | &nbsp;&nbsp;$5582260.00 | &nbsp;&nbsp;7.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;148 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$73655859.40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.05% | &nbsp;&nbsp;$3937450.00 | &nbsp;&nbsp;5.35% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;37 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$11245213.40 | &nbsp;&nbsp;15.27% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;10.14% | &nbsp;&nbsp;$6820728.00 | &nbsp;&nbsp;9.26% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;83 | &nbsp;&nbsp;56.08% | &nbsp;&nbsp;$50360578.00 | &nbsp;&nbsp;68.37% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.73% | &nbsp;&nbsp;$1291890.00 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;$100000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;145 | &nbsp;&nbsp;97.97% | &nbsp;&nbsp;$69753859.40 | &nbsp;&nbsp;94.70% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.35% | &nbsp;&nbsp;$3802000.00 | &nbsp;&nbsp;5.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;83 | &nbsp;&nbsp;56.08% | &nbsp;&nbsp;$35654410.40 | &nbsp;&nbsp;48.41% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.05% | &nbsp;&nbsp;$1157700.00 | &nbsp;&nbsp;1.57% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;39 | &nbsp;&nbsp;26.35% | &nbsp;&nbsp;$30589429.00 | &nbsp;&nbsp;41.53% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$1025710.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.35% | &nbsp;&nbsp;$1141000.00 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.08% | &nbsp;&nbsp;$2130110.00 | &nbsp;&nbsp;2.89% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$1053000.00 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$904500.00 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;90 | &nbsp;&nbsp;60.81% | &nbsp;&nbsp;$55808386.00 | &nbsp;&nbsp;75.77% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;51 | &nbsp;&nbsp;34.46% | &nbsp;&nbsp;$14550113.40 | &nbsp;&nbsp;19.75% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.73% | &nbsp;&nbsp;$3297360.00 | &nbsp;&nbsp;4.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73655859.40** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 2/16/2026 10:52:41 AM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 224581836 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| 224635570 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided |
| 224942894 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 224942895 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 224942895 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225063230 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063230 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225063230 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Previous purchase price |
| 225063230 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | [redacted] |
| 225063234 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063234 | XXXX | XXXX |  |  | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063234 | XXXX | XXXX |  |  | # of Units | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063236 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063236 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | [redacted] |
| 225063237 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063274 | XXXX | XXXX |  | XXXX | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225063278 | XXXX | XXXX | XXXX | XXXX | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225063279 | XXXX | XXXX | XXXX |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225063279 | XXXX | XXXX | XXXX |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225063279 | XXXX | XXXX | XXXX |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063284 | XXXX | XXXX |  | XXXX | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063285 | XXXX | XXXX |  | XXXX | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063289 | XXXX | XXXX |  | XXXX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225063289 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063289 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063289 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063289 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063290 | XXXX | XXXX |  | XXXX | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063290 | XXXX | XXXX |  | XXXX | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063290 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063290 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063290 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063290 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063291 | XXXX | XXXX |  | XXXX | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225063292 | XXXX | XXXX |  | XXXX | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225063292 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063292 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 225063292 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063292 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI matches 1008 DTI. |
| 225063292 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063293 | XXXX | XXXX |  | XXXX | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063293 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063293 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063293 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063293 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | [redacted] |
| 225063293 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063294 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063294 | XXXX | XXXX |  | XXXX | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225063294 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063294 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063294 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063294 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | [redacted] |
| 225063294 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063296 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063296 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063296 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063296 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063296 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | [redacted] |
| 225063296 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063297 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063297 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063297 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063297 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063298 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063298 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063298 | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063298 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063300 | XXXX | XXXX |  | XXXX | Borrower FTHB | [redacted] | [redacted] | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 225063303 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063308 | XXXX | XXXX |  | XXXX | Doc Type | Alt | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063308 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063308 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063308 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063308 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063308 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063309 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063309 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063309 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063309 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063309 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063311 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063311 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063311 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063312 | XXXX | XXXX |  | XXXX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063312 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063312 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063312 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063312 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063313 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063313 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063313 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063317 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063317 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063317 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063317 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063317 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063319 | XXXX | XXXX |  | XXXX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225063319 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063319 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063319 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063319 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063319 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063320 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063320 | XXXX | XXXX |  | XXXX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 225063320 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063320 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063320 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063320 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063320 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063322 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063322 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063322 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063322 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063322 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063323 | XXXX | XXXX |  | XXXX | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063323 | XXXX | XXXX |  | XXXX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063323 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063323 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063323 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063324 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063324 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063324 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063324 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063324 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063324 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063325 | XXXX | XXXX |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063326 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063326 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063326 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063328 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063328 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063328 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063328 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063329 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063329 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063329 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063331 | XXXX | XXXX |  | XXXX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063331 | XXXX | XXXX |  | XXXX | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063331 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063331 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063331 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063331 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063331 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063331 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063332 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063332 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063332 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063332 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063332 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063334 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063334 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 225063334 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063336 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063336 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063336 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063336 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063339 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063339 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063339 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063340 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063340 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063341 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063341 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063341 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063342 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063342 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063342 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063346 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063346 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063346 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063346 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063346 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063347 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063347 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063347 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063347 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063347 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063348 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063348 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063348 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063348 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063348 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063349 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063349 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063349 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063350 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063350 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063351 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063351 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063351 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063352 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063353 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063353 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063354 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063354 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063354 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063354 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063354 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063355 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063355 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063355 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063355 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063356 | XXXX | XXXX |  | XXXX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225063356 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063356 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063356 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063358 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063358 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063358 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063358 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063359 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063359 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063359 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063360 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063360 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063360 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063360 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063360 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063361 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225063361 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063361 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063361 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063361 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063361 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063362 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063362 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063362 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063363 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063363 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063363 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063363 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063363 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063364 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063364 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063364 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063365 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063365 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063365 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063365 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063365 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063366 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063366 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063367 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063367 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063367 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063367 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063367 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063368 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063368 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063368 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063368 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063368 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063369 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063369 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063370 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063370 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063370 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063370 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063370 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063371 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063371 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063371 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063372 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063372 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063372 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063372 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063372 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063373 | XXXX | XXXX |  | XXXX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225063373 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063373 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063373 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063373 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063374 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063374 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063376 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063376 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063376 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063376 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063377 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063377 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063377 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063378 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063378 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063378 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063378 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063379 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063379 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063380 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063380 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063380 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063380 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063382 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063382 | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225063382 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063383 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063383 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063383 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063383 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063383 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063383 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063384 | XXXX | XXXX |  | XXXX | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063384 | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225063384 | XXXX | XXXX |  | XXXX | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225063384 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063384 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063384 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063385 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063385 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063385 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063386 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063386 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063386 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063387 | XXXX | XXXX |  | XXXX | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225063387 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063387 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063388 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063388 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063388 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063389 | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063389 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063390 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063390 | XXXX | XXXX |  | XXXX | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063390 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063390 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063391 | XXXX | XXXX |  | XXXX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225063391 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063391 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063392 | XXXX | XXXX |  | XXXX | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225063392 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063394 | XXXX | XXXX |  | XXXX | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225063394 | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 225063394 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 225063394 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063395 | XXXX | XXXX |  |  | Property Type | [redacted] | [redacted] | Verified | Appraisal and mortgage shows low rise condo |
| 225063395 | XXXX | XXXX |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified |  |
| 225063395 | XXXX | XXXX |  |  | PITIA Reserves Months | [redacted] | [redacted] | Verified |  |
| 225063396 | XXXX | XXXX |  | XXXX | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225063400 | XXXX | XXXX |  | XXXX | Property Type | [redacted] | [redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225063400 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225063402 | XXXX | XXXX |  |  | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225078333 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078333 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078333 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225078333 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225078333 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225078334 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078334 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078334 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225078335 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078335 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078335 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225078335 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225078335 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225078336 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225078336 | XXXX | XXXX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225078336 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078336 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078336 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225078336 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 225078336 | XXXX | XXXX |  |  | Amortization Type |  | ARM | Verified | The Bid Tape Field Value was not provided. |
| 225078337 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078337 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078337 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225078337 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225078337 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225078343 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078343 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225078343 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225078345 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078345 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding |
| 225078346 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225078347 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078347 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225078349 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078353 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078353 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225078353 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225083310 | XXXX | XXXX |  |  | Doc Type | Full | Asset Depletion | Verified | Field Value reflects documentation located in origination file |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 2/16/2026 12:48:44 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 224635570 | XXXX | XXXX |  | 35168021 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Per guidelines number of Projects and Value of Project (last [redacted]) including acquisition dates and sales prices are required for this program. |  |  |  | Reviewer Comment (2025-11-19): meets guides | 11/19/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224710933 | XXXX | XXXX |  | 35235677 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Missing history of owning and managing non-owner occupied residential real estate for at least [redacted] year in the last [redacted] years required by guidelines. |  |  |  | Reviewer Comment (2025-11-24): Cleared, guidelines met.<br>Buyer Comment (2025-11-21): We allow first time investors with fico score [redacted] and above per our matrix which supersedes our guidelines - borrowers fico is [redacted] and dscr is [redacted] | 11/24/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C B A |  | N/A | No |
| 224710933 | XXXX | XXXX |  | 35235678 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Require additional assets to meet cash from borrower requirement. |  |  |  | Reviewer Comment (2025-11-24): Cleared.<br>Buyer Comment (2025-11-21): Borrower has sufficient funds to close - Nov statement attached shows the wire of $[redacted] being withdrawn from borrowers account and the starting balance was $[redacted]. final settlement statement shows cash to close is $[redacted] | 11/24/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C B A |  | N/A | No |
| 224710933 | XXXX | XXXX |  | 35235680 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for neighbors' carport encroaches on north and west sides. Compensating factors: FICO is over [redacted] points above minimum requirement. | The representative FICO score exceeds the guideline minimum by XX points. | FICO is more than [redacted] points above guidelines. | SitusAMC,Originator | Reviewer Comment (2025-12-08): Client elects to downgrade and waive.<br>Reviewer Comment (2025-12-01): Client elects to downgrade and waive.<br>Reviewer Comment (2025-11-20): Lender exception in file. |  |  | 12/01/2025 | 2 C B |  | NM | Investment | Purchase | C B A |  | N/A | No |
| 224710933 | XXXX | XXXX |  | 35235681 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for rock wall encroaches on north side. FICO is over [redacted] points above minimum requirement. Compensating factors: FICO is over [redacted] points above minimum requirement. | The representative FICO score exceeds the guideline minimum by XX points. | FICO is more than [redacted] points above guidelines. | SitusAMC,Originator | Reviewer Comment (2025-12-08): Client elects to downgrade and waive.<br>Reviewer Comment (2025-12-01): Client elects to downgrade and waive.<br>Reviewer Comment (2025-11-20): Lender exception in file. |  |  | 11/20/2025 | 2 C B |  | NM | Investment | Purchase | C B A |  | N/A | No |
| 224942895 | XXXX | XXXX |  | 35487395 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-11-20): Received the rate locks.<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA [redacted]: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest [redacted] provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | File is missing the required Loan Estimate. |  |  |  | Reviewer Comment (2025-11-20): [redacted] received initial LE.<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 C A |  | LA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487398 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-11-20): Counseling list provided.<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487399 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal. |  |  |  | Reviewer Comment (2025-11-20): [redacted] received initial LE.<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 B A |  | LA | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
| 224942895 | XXXX | XXXX |  | 35487400 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The file was missing evidence the Right to Receive Appraisal Disclosure provided to borrower within [redacted] of initial application. |  |  |  | Reviewer Comment (2025-11-20): Delivery provided<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487401 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-11-20): Delivery provided<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487402 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal |  |  |  | Reviewer Comment (2025-11-20): Delivery provided<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 C A |  | LA | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487403 |  | 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 [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-11-20): Delivery provided<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487404 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least [redacted] business days prior to closing. | The earliest [redacted] provided was issued [redacted] and closing was [redacted]. |  |  |  | Reviewer Comment (2025-11-20): [redacted] received initial CD.<br>Buyer Comment (2025-11-19): attached | 11/20/2025 |  |  | 1 C A |  | LA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487407 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | LENDER EXCEPTION provided for not meeting non arms length transaction and FTHB guidelines requirements. Subject is the property the borrower has been residing in for over [redacted] and is owned free & clear. Borrower has been living rent free and does not have [redacted] cancelled checks and payment sho2ck exceeds [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-18): Lender Exception with Compensating Factors provided. |  |  | 11/18/2025 | 2 B |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA [redacted]: Borrower not provided with list of service providers. | [redacted] is missing Settlement service provider list. |  |  |  | Reviewer Comment (2025-11-20): List provided | 11/20/2025 |  |  | 1 A |  | LA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224942895 | XXXX | XXXX |  | 35487409 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] is missing SSPL and the title fees will be re-evaluated once we receive SSPL. |  |  |  | Reviewer Comment (2025-11-20): Delivery and list provided<br>Buyer Comment (2025-11-20): Service Provider List attached | 11/20/2025 |  |  | 1 A |  | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063227 | XXXX | XXXX |  | 35731962 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is Missing |  |  |  | Reviewer Comment (2024-11-15): waived at client request<br>Buyer Comment (2024-11-14): Please waive to B- comp factors > [redacted]yrs in same job and Residual Income > than $[redacted]<br>Reviewer Comment (2024-11-01): Loan file contains a [redacted] transcript, which requires evidence of taxpayer consent documentation. Loan closed using personal income to qualify<br>Buyer Comment (2024-10-30): please advise as the guidelines do not state this is needed. thank you! |  |  | 11/15/2024 | 2 B |  | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225063227 | XXXX | XXXX |  | 35731965 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds for gift funds. |  |  |  | Reviewer Comment (2024-11-12): Provided.<br>Buyer Comment (2024-11-08): wire<br>Reviewer Comment (2024-11-07): Evidence of source of funds not uploaded.<br>Buyer Comment (2024-11-05): gift docs | 11/12/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225063227 | XXXX | XXXX |  | 35731966 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing source of deposit/funds for gift funds. |  |  |  | Reviewer Comment (2024-11-12): Provided.<br>Buyer Comment (2024-11-08): see attached wires<br>Reviewer Comment (2024-11-07): Evidence of source of funds not uploaded.<br>Buyer Comment (2024-11-05): see attached docs | 11/12/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225063227 | XXXX | XXXX |  | 35731967 |  | 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. | Loan closed using title company closing statement; however, final HUD1 or CD required. This is an EV2 client can elect to waive. |  |  |  | Reviewer Comment (2024-11-06): Client elects to waive |  |  | 11/06/2024 | 2 B |  | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731974 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for both Guarantor and Business Entity. |  |  |  | Reviewer Comment (2025-01-08): Clear.<br>Buyer Comment (2025-01-06): Please find attached updated Loan Safe/OFAC report. Thank you. | 01/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731975 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | As per the guidelines require spousal consent for the community property states when borrower is an entity. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-01-13): Waived per client request.<br>Reviewer Comment (2025-01-13): As per the guidelines require spousal consent for the community property states when borrower is an entity.<br>Buyer Comment (2025-01-10): Please update exception grade to a "[redacted]" per the following compensating factors: Borrowers fico score is [redacted]+ points over the minimum required. Borrower has a low LTV of [redacted]% much lower than the allowed minimum required. Borrower has excellent credit with no history of any [redacted] or foreclosures. Borrower is an experienced landlord/property owner for many years. Thanks so much. |  |  | 01/13/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731976 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing from the file. |  |  |  | Reviewer Comment (2025-01-10): Cleared.<br>Buyer Comment (2025-01-09): If this is not exactly what you are requesting [redacted] and previously cleared, PLEASE advise what or who you want to see specifically run thru the OFAC search. Borrowers LLC and the Borrower have been run & cleared thru OFAC. Thanks so much.<br>Buyer Comment (2025-01-09): Please see attached OFAC/Loan Safe Report. Thank you. | 01/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731979 |  | 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 is short reserves. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-01-08): Waived per client request.<br>Reviewer Comment (2025-01-08): Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br> Exception Information:<br> Borrower is short reserves.<br>Buyer Comment (2025-01-06): Please WAIVE this condition to a "[redacted]" based on the following compensating factors for Borrower having under [redacted]mths PITI: Borrowers mid fico is [redacted]+ points over the minimum required. Borrower has super low ltv of [redacted]%. Borrower has extensive landlord/rental property history. Thank you. |  |  | 01/08/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731980 |  | 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. |  | The appraisal indicates the subject property is leased. A lease agreement was not provided. Additional conditions may apply if the lease if not provided. |  |  |  | Reviewer Comment (2025-01-08): Clear.<br>Buyer Comment (2025-01-07): Per guidelines subject property is a short-term rental and UW utilized the rental property on "[redacted]" to calc the rents. Please clear or WAIVE to an exception grade of a "[redacted]". Thank you.<br>Buyer Comment (2025-01-07): Per guidelines subject property is a short-term rental and UW utilized the rental property on "[redacted]" to calc the rents. Thank you. | 01/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final HUD-1 is missing from the file. Additional conditions may apply upon receipt of the final HUD 1. |  |  |  | Reviewer Comment (2025-01-13): Cleared.<br>Buyer Comment (2025-01-09): Please see HUD-1 page #[redacted] attached. Thank you.<br>Buyer Comment (2025-01-09): Please see attached page #[redacted] of HUD-1. Thank you!<br>Reviewer Comment (2025-01-08): Missing page [redacted] of document provided.<br>Buyer Comment (2025-01-06): Please find final HUD-1 attached. Thank you. | 01/13/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063229 | XXXX | XXXX |  | 35731982 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redcated] | SitusAMC,Originator | Reviewer Comment (2025-01-23): cleared<br>Reviewer Comment (2025-01-23): re opened<br>Reviewer Comment (2025-01-22): Disaster Name: [redacted] Disaster Declaration Date: [redacted]. Waived at client request.<br>Buyer Comment (2025-01-22): Please waive.<br>Buyer Comment (2025-01-21): Disaster Cert uploaded, no damage. | 01/23/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731983 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC missing for guarantor 2. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): OFAC missing for guarantor [redacted]. Waived at clients request.<br>Buyer Comment (2025-01-16): Lender accepts. Please waive with available compensating factors" |  |  | 01/21/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731985 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing credit report for guarantor 2. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): Missing credit report for guarantor [redacted]. Waived at clients request.<br>Buyer Comment (2025-01-16): Lender accepts. Please waive with available compensating factors" |  |  | 01/21/2025 | 2 D B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731986 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Approved lender exception in file approving the loan with insufficient seasoning for cash out. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Approved lender exception in file approving the loan with insufficient seasoning for cash out. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731987 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. |  | Lender exception in file approving loan when the borrower is not [redacted]% owner of the borrowing entity. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Lender exception in file approving loan when the borrower is not [redacted]% owner of the borrowing entity. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731988 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  | Lender exception in file approving the credit report expiration from [redacted] to [redacted] days. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] | Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted]<br>Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Lender exception in file approving the credit report expiration from [redacted] to [redacted] days. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063230 | XXXX | XXXX |  | 35731989 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Each Entity member providing a personal guaranty must complete a [redacted] or similar credit application | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Combined Loan to Value: [redacted] Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): Each Entity member providing a personal guaranty must complete a [redacted] or similar credit application. Waived at clients request.<br>Buyer Comment (2025-01-16): Lender accepts. Please waive with available compensating factors" |  |  | 01/21/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063231 | XXXX | XXXX |  | 35731991 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Borrower [redacted] Credit Report is missing from file. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br> points. | Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value:[redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): Borrower [redacted] Credit Report is missing from file. Waived at clients request.<br>Buyer Comment (2025-01-16): Lender accepts. Please waive with available compensating factors" |  |  | 01/21/2025 | 2 D B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063231 | XXXX | XXXX |  | 35731992 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file approving loan with insufficient seasoning for cash out. Compensating factors: FICO exceeds minimum by [redacted] points, DSCR is [redacted] or higher, LTV is [redacted]% below maximum and new guidelines allow each request. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br> points. | Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value:[redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Approved lender exception in file approving loan with insufficient seasoning for cash out. Compensating factors: FICO exceeds minimum by [redacted] points, [redacted] is [redacted] or higher, LTV is [redacted]% below maximum and new guidelines allow each request. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063231 | XXXX | XXXX |  | 35731993 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file approving loan closing in an entity where borrower owns less than [redacted]%. Compensating factors: FICO exceeds minimum by [redacted]points, DSCR is [redacted] or higher, LTV is [redacted]% below maximum and new guidelines allow each request. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br> points. | Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value:[redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Approved lender exception in file approving loan closing in an entity where borrower owns less than [redacted]%. Compensating factors: FICO exceeds minimum by [redacted] points, [redacted]is [redacted] or higher, LTV is [redacted]% below maximum and new guidelines allow each request. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063231 | XXXX | XXXX |  | 35731994 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file approving loan with credit report expiration up to [redacted] days. Compensating factors: FICO exceeds minimum by [redacted] points, DSCR is [redacted] or higher, LTV is [redacted]% below maximum and new guidelines allow each request. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br> points. | Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value:[redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-15): Approved lender exception in file approving loan with credit report expiration up to [redacted] days. Compensating factors: FICO exceeds minimum by [redacted]points, [redacted]is [redacted]or higher, LTV is [redacted]% below maximum and new guidelines allow each request. |  |  | 01/15/2025 | 2 B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063231 | XXXX | XXXX |  | 35731995 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Each Entity member providing a personal guaranty must complete a [redacted]or similar credit application . | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br> points. | Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value:[redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): Each Entity member providing a personal guaranty must complete a [redacted] or similar credit application. Waived at clients request.<br>Buyer Comment (2025-01-16): Lender accepts. Please waive with available compensating factors" |  |  | 01/21/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063232 | XXXX | XXXX |  | 35731996 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The subject property is located in a [redacted] disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The Property is located in a [redacted] disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared / end date. |  |  |  | Reviewer Comment (2025-01-23): Cleared with [redacted]. No damage noted.<br>Buyer Comment (2025-01-23): Disaster Cert uploaded, no damage. | 01/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063232 | XXXX | XXXX |  | 35731998 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing credit report for[redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] | Reserves: [redacted]Guideline Requirement: [redacted]<br>Combined Loan to Value: [redacted]<br>Guideline Maximum Combined Loan to Value: [redacted]<br>Loan to Value: [redacted]<br>Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br>Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-22): Missing credit report for [redacted]. Waived at client request.<br>Buyer Comment (2025-01-17): Lender accepts. Please waive with available compensating factors |  |  | 01/22/2025 | 2 D B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063232 | XXXX | XXXX |  | 35731999 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-22): Cleared.<br>Buyer Comment (2025-01-17): trust | 01/22/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063232 | XXXX | XXXX |  | 35732000 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Discrepancy in City address: Note city name is [redacted] and [redacted] |  |  |  | Reviewer Comment (2025-01-22): Cleared.<br>Buyer Comment (2025-01-17): flood cert | 01/22/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063234 | XXXX | XXXX |  | 35732005 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The subject property is located in a [redacted] disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in a [redacted] disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2025-02-05): clear.<br>Buyer Comment (2025-02-03): Disaster Cert uploaded, no damage, please clear. Thank you. | 02/05/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063234 | XXXX | XXXX |  | 35732006 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | [redacted] indicates tenant occupancy, however lease agreements expired [redacted] and [redacted]. Updated current lease agreements are required. |  |  |  | Reviewer Comment (2025-01-30): clear<br>Buyer Comment (2025-01-28): [redacted] | 01/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063234 | XXXX | XXXX |  | 35732007 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Reserves: [redacted]<br>Guideline Requirement: [redacted]<br>Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-30): OFAC was not checked and required per guidelines. Waived at clients request.<br>Buyer Comment (2025-01-28): Lender accepts. Please waive with available compensating factors |  |  | 01/30/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063234 | XXXX | XXXX |  | 35732008 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error : Birth Date was not provided |  | All individuals that provide a Guaranty are required to provide an application. One was not provided for each Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Reserves: [redacted]<br>Guideline Requirement: [redacted]<br>Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-30): All individuals that provide a Guaranty are required to provide an application. One was not provided for each Guarantor.<br> Waived with compensating factors at client request.<br>Buyer Comment (2025-01-28): Lender accepts. Please waive with available compensating factors |  |  | 01/30/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063234 | XXXX | XXXX |  | 35732009 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | All individuals that provide a Guaranty are required to provide a credit score and one was not provided for each Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points. | Reserves: [redacted]<br>Guideline Requirement: [redacted]<br>Guidelines Representative FICO:[redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-30): All individuals that provide a Guaranty are required to provide a credit score and one was not provided for each Guarantor.<br> Waived with compensating factors at client request.<br>Buyer Comment (2025-01-28): Lender accepts. Please waive with available compensating factors |  |  | 01/30/2025 | 2 D B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732012 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Fraud Report and OFAC is not provided of [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The [redacted] Loan to Value [redacted] on the loan is less than the guideline maximum by at least [redacted] %.<br>The Debt Service Coverage Ratio [redacted] is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>[redacted]Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Fraud Report and OFAC is not provided of [redacted]. Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-05): Please find attached exception for not having rent loss. Please waive exception grade to a [redacted] based on the following compensating factors as follows: Borrowers mid fico score is [redacted]+ points higher than the minimum required for this program/product. Borrowers has an excellent ltv is more than [redacted]% below the max permitted. Borrowers [redacted]is over [redacted]%. Borrower has great credit with no foreclosures or bk's. GREAT LOAN. Thank you.<br>Reviewer Comment (2025-03-01): Received same fraud report as in original submission. It does not reflect [redacted]as borrower or participant and [redacted]was not check for this individual.<br>Buyer Comment (2025-02-27): Please find the attached Fraud Guard. Thank you. |  |  | 03/06/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732014 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  | Verification of identity for [redacted] is not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The [redacted] Loan to Value [redacted] on the loan is less than the guideline maximum by at least [redacted] %.<br>The Debt Service Coverage Ratio [redacted] is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>[redacted]Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Verification of identity for [redacted] is not provided.<br> Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-05): Please find attached exception for not having rent loss. Please waive exception grade to a [redacted]based on the following compensating factors as follows: Borrowers mid fico score is [redacted]+ points higher than the minimum required for this program/product. Borrowers has an excellent ltv is more than [redacted]% below the max permitted. Borrowers [redacted]is over [redacted]%. Borrower has great credit with no foreclosures or bk's. GREAT LOAN. Thank you. |  |  | 03/06/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732015 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2025-03-01): Received<br>Buyer Comment (2025-02-27): Please find attached final HUD-1 fully executed. Thank you. | 03/01/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732016 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  | Any borrower who sign as a Trustee are required to provide a credit application/[redacted]. One was not provided for each Trustee.. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The [redacted] Loan to Value [redacted] on the loan is less than the guideline maximum by at least [redacted] %.<br>The Debt Service Coverage Ratio [redacted] is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>[redacted]Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Any borrower who sign as a Trustee are required to provide a credit application/1003. One was not provided for each Trustee..<br> Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-05): Please find attached exception for not having rent loss. Please waive exception grade to a 2 based on the following compensating factors as follows: Borrowers mid fico score is [redacted] points higher than the minimum required for this program/product. Borrowers has an excellent ltv is more than [redacted] below the max permitted. Borrowers [redacted] is over [redacted]. Borrower has great credit with no foreclosures or bk's. GREAT LOAN. Thank you. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732017 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss is not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The [redacted] Loan to Value [redacted] on the loan is less than the guideline maximum by at least [redacted] %.<br>The Debt Service Coverage Ratio [redacted] is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>[redacted]Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. Approved with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-03-05): Please find attached exception for not having rent loss. Please waive exception grade to a 2 based on the following compensating factors as follows: Borrowers mid fico score is [redacted] points higher than the minimum required for this program/product. Borrowers has an excellent ltv is more than [redacted] below the max permitted. Borrowers [redacted] is over [redacted]. Borrower has great credit with no foreclosures or bk's. GREAT LOAN. Thank you. |  |  | 03/06/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063236 | XXXX | XXXX |  | 35732018 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Borrowers who sign as a Trustee are required to provide a credit report. Provide a credit report for the [redacted] Trustee. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The [redacted] Loan to Value [redacted] on the loan is less than the guideline maximum by at least [redacted] %.<br>The Debt Service Coverage Ratio [redacted] is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>[redacted]Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Borrowers who sign as a Trustee are required to provide a credit report. Provide a credit report for the second Trustee.<br> Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-05): Please find attached exception for not having rent loss. Please waive exception grade to a [redacted] based on the following compensating factors as follows: Borrowers mid fico score is [redacted] points higher than the minimum required for this program/product. Borrowers has an excellent ltv is more than [redacted] below the max permitted. Borrowers [redacted] is over [redacted]. Borrower has great credit with no foreclosures or bk's. GREAT LOAN. Thank you. |  |  | 03/06/2025 | 2 D B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063237 | XXXX | XXXX |  | 35732020 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is not provided in file |  |  |  | Reviewer Comment (2025-02-21): clear.<br>Buyer Comment (2025-02-19): corporate resolution is not required per guidelines. Only required for loans closed in a corporation. Please waive exception. | 02/21/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225063238 | XXXX | XXXX |  | 35732024 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Required Fraud Report missing |  |  |  | Reviewer Comment (2025-02-24): clear<br>Buyer Comment (2025-02-20): Please find cleared Fraud Guard attached. Thank you. | 02/24/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225063240 | XXXX | XXXX |  | 35732028 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Missing verification of Asset used to meet reserves. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-03-06): Missing verification of Asset used to meet reserves.<br> Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-06): Good afternoon, [redacted]. Please waive both of these exception grades to a 2 based on the following compensating factors:<br> Borrowers' mid fico score is [redacted] points higher than the minimum required for this program & product. Borrower has good credit with no bk's or foreclosures. Borrowers ltv is less than the max allowed for a rate/term refi investment. Borrowers [redacted] score is over [redacted]. Borrower is also an experienced property manager/owner. Thank you.<br>Buyer Comment (2025-03-04): Hello [redacted] per my previous comments above the loans closed "simultaneously" not before the other. Please see attached the HUD-1 for unit numbers [redacted]. HUD-1 reflects proceeds to Borrower. Please clear. Thank you.<br>Reviewer Comment (2025-03-04): Provide documentation dated prior to closing stating that using the assets from the prior refinance were being used for funds to close and reserves for this loan.<br>Buyer Comment (2025-03-03): Please see attached as the reserves used came from the 2nd loan as they closed simultaneously. That loan was already cleared by you. That loan [redacted]. Thanks so much. |  |  | 03/06/2025 | 2 C B |  | MS | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063240 | XXXX | XXXX |  | 35732030 |  | 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 ___. | Missing Bank Statement for verification of Asset used to meet reserves. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-03-06): Missing [redacted] for verification of Asset used to meet reserves.<br> Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-06): Good afternoon, [redacted]. Please waive both of these exception grades to a 2 based on the following compensating factors:<br> Borrowers' mid fico score is [redacted] points higher than the minimum required for this program & product. Borrower has good credit with no bk's or foreclosures. Borrowers ltv is less than the max allowed for a rate/term refi investment. Borrowers [redacted] score is over [redacted]. Borrower is also an experienced property manager/owner. Thank you.<br>Reviewer Comment (2025-03-04): Provide documentation dated prior to closing stating that using the assets from the prior refinance were being used for funds to close and reserves for this loan. |  |  | 03/06/2025 | 2 C B |  | MS | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063241 | XXXX | XXXX |  | 35732032 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Require updated [redacted] with the correct effective date. |  |  |  | Reviewer Comment (2025-07-16): CDA provided<br>Buyer Comment (2025-07-11): uploaded Final CDA | 07/16/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225063241 | XXXX | XXXX |  | 35732033 |  | 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. |  | Property is tenant occupied as per the provided appraisal report. However, there is no lease in the file. |  |  |  | Reviewer Comment (2025-07-16): Lease provided<br>Buyer Comment (2025-07-12): [redacted]_[redacted]-Lease Agreement uploaded thank you :) | 07/16/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225063241 | XXXX | XXXX |  | 35732034 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lease has been converted to month-to-month. Provide the most recent [redacted] months proof of receipt to evidence continuance of lease. |  |  |  | Reviewer Comment (2025-07-24): Received lease, property history report and deed, exception cleared.<br>Buyer Comment (2025-07-21): attached<br>Buyer Comment (2025-07-18): this is not required on a noni please see attached GL | 07/24/2025 |  |  | 1 A |  | CO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225063241 | XXXX | XXXX |  | 35732035 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Landlord is different for our borrower. Please provide Property Management Agreement between borrower and the Landlord stated in the lease agreement, [redacted] |  |  |  | Reviewer Comment (2025-07-24): Received lease, property history report and deed, exception cleared.<br>Buyer Comment (2025-07-21): attached<br>Buyer Comment (2025-07-21): The borrower purchased property in [redacted]and the lease was from the previous owner. It was already in place when borrower purchased subject. I have attached a deed and property profile showing the llc is the previous owner. | 07/24/2025 |  |  | 1 A |  | CO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225063268 | XXXX | XXXX | XXXX | 35732090 |  | 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 08/30/2024 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225063271 | XXXX | XXXX | XXXX | 35732102 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception - Allow [redacted] student loan collection accounts ($[redacted], $[redacted], $[redacted], $[redacted]) to remain open vs program requirement that all non-medical collection accounts and charge-offs exceeding [redacted]k must be paid in full prior to or at the time of the loans funding | LTV is [redacted]%, [redacted]% < program maximum of [redacted]%<br>Credit Score is [redacted], [redacted]points > program requirement of [redacted]<br>Reserves are [redacted] months, [redacted] months > program requirement of [redacted] months<br>[redacted] open mortgages, reporting [redacted]since earliest inception[redacted]. No public records |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-24): Client has elected to waive this exception based on compensating factors. |  |  | 07/24/2019 | 2 B |  | DC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225063271 | XXXX | XXXX | XXXX | 35732107 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Maximum calculated prepay of $[redacted] exceeds the state maximum of [redacted]months interest calculated on [redacted]of the original balance [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | [redacted] Prepayment Penalty: Maximum calculated prepay of $[redacted] exceeds the state maximum of [redacted] months interest calculated on [redacted] of the original balance ($[redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | DC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225063272 | XXXX | XXXX | XXXX | 35732110 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | MA | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| 225063272 | XXXX | XXXX | XXXX | 35732111 |  | 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. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | MA | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| 225063272 | XXXX | XXXX | XXXX | 35732115 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  | [redacted] | FICO [redacted] | SitusAMC,Aggregator | Reviewer Comment (2024-04-22): FICO [redacted], CLTV [redacted], Reserves [redacted], Clean pay history |  |  | 04/22/2024 | 2 B |  | MA | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732116 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 D A |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732117 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 D A |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732118 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732119 |  | Credit | Business Purpose | General | Business Purpose | Personal Guarantor is required per Investor Guidelines |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732122 |  | Credit | Guideline | General | Guideline | Tax Return' missing as borrower 'Income Documentation'. |  |  |  |  |  | Reviewer Comment (2020-01-07): Agree, this was removed from subsequent guidelines.<br>Seller Comment (2020-01-06): Removed tax return requirement on[redacted]<br>Reviewer Comment (2019-11-19): Required per [redacted] RENTAL[redacted]LOAN guideline version [redacted] dated[redacted]<br>Seller Comment (2019-11-19): [redacted] shows [redacted] Landlord Experience - Removed Tax Return Requirement and updated[redacted]<br>Reviewer Comment (2019-10-21): Per Guidelines Section [redacted] Tax Returns are required.<br>Seller Comment (2019-10-16): not required | 01/07/2020 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732123 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063273 | XXXX | XXXX | XXXX | 35732124 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732126 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732127 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2019-10-21): Exception cleared due to receipt of cited missing document. | 10/21/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732130 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-11-12): Received [redacted] CDA within [redacted]% variance, cleared.<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 11/12/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732131 |  | Credit | Guideline | General | Guideline | Tax Return' missing as borrower 'Income Documentation'. |  |  |  |  |  | Reviewer Comment (2020-01-07): Agree, this was removed from subsequent guidelines.<br>Seller Comment (2020-01-06): Removed tax return requirement on[redacted]<br>Reviewer Comment (2019-11-19): Required per [redacted] XXXX[redacted]XXXX guideline version [redacted] dated[redacted]<br>Seller Comment (2019-11-19): [redacted] shows [redacted] Landlord Experience - Removed Tax Return Requirement and updated[redacted]<br>Reviewer Comment (2019-10-21): Per guidelines Section [redacted] Tax Returns are required.<br>Seller Comment (2019-10-16): not required | 01/07/2020 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732132 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732134 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted] days is less than the state minimum of [redacted] days. | Note grace period of [redacted] days is less than the state minimum of [redacted] days. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063274 | XXXX | XXXX | XXXX | 35732135 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty First Lien | [redacted] Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty not permissible on a first lien loan less than or equal to [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732138 |  | Credit | Guideline | General | Guideline | Tax Return' missing as borrower 'Income Documentation'. |  |  |  |  |  | Reviewer Comment (2020-01-07): Agree, this was removed from subsequent guidelines.<br>Seller Comment (2020-01-06): Removed tax return requirement on[redacted]<br>Reviewer Comment (2019-11-19): Required per [redacted] XXXX[redacted] XXXX guideline version [redacted] dated[redacted]<br>Seller Comment (2019-11-19): Page [redacted] shows [redacted]Landlord Experience - Removed Tax Return Requirement and updated[redacted] | 01/07/2020 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732139 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-11-12): Received [redacted] CDA within [redacted]% variance, cleared.<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 11/12/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732140 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732141 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732142 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted] days is less than the state minimum of [redacted]days. | Note grace period of [redacted] days is less than the state minimum of [redacted] days. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063275 | XXXX | XXXX | XXXX | 35732143 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty First Lien | [redacted] Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty not permissible on a first lien loan less than or equal to[redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063276 | XXXX | XXXX | XXXX | 35732145 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2019-11-11): Received | 11/11/2019 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063276 | XXXX | XXXX | XXXX | 35732146 |  | Credit | Insurance | Insurance Analysis | Insurance | [redacted] Policy expires within [redacted] days of the [redacted] Date. | [redacted] Expiration Date ___, [redacted] Date ___ | The [redacted] expires in less than [redacted] days- no evidence in file of extension or evidence on [redacted] that it will be paid at closing |  |  |  | Reviewer Comment (2019-10-16): Client elects to waive as EV2/B |  |  | 10/16/2019 | 2 B |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063276 | XXXX | XXXX | XXXX | 35732148 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-11-12): Received [redacted] CDA within [redacted]% variance, cleared.<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 11/12/2019 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063276 | XXXX | XXXX | XXXX | 35732149 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | Information not provided |  |  |  | Reviewer Comment (2019-10-16): Client elects to waive as EV2/B |  |  | 10/16/2019 | 2 B |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063276 | XXXX | XXXX | XXXX | 35732152 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] not provided |  |  | [redacted] | FICO [redacted] | SitusAMC,Aggregator | Reviewer Comment (2024-04-22): FICO [redacted], CLTV [redacted], Clean pay history |  |  | 04/22/2024 | 2 B |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732154 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2020-01-29): Received CDA.<br>Reviewer Comment (2020-01-07): Response says CDA was loaded but no documents were attached. Please load to the exception for review.<br>Seller Comment (2020-01-06): CDA uploaded<br>Reviewer Comment (2019-11-22): As of [redacted]DA has not been received<br>Reviewer Comment (2019-11-12): As of [redacted]DA has not been received<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 01/29/2020 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732155 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | Information not confirmed |  |  |  | Reviewer Comment (2019-10-16): Client elects to waive as EV2/B |  |  | 10/16/2019 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732156 |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Valuation Error: Legal description on valuation does not match deed transferring title. |  | Deed not provided for review |  |  |  | Reviewer Comment (2019-11-20): Deed provided. | 11/20/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732157 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732158 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732159 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted] days is less than the state minimum of [redacted] days. | Note grace period of [redacted] days is less than the state minimum of [redacted] days. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063277 | XXXX | XXXX | XXXX | 35732160 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty First Lien | [redacted] Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to [redacted] Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty not permissible on a first lien loan less than or equal to [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063278 | XXXX | XXXX | XXXX | 35732162 |  | 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 [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | TX | Investment | Purchase | A B |  | N/A | No |
| 225063278 | XXXX | XXXX | XXXX | 35732163 |  | 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 [redacted] business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | TX | Investment | Purchase | A B |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732167 |  | 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 ___. | Approved exception at origination is provided, for First time investor for [redacted] LTV with comp factors strong reserves and hIgh FICO [redacted] | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): XXXXX<br>Reviewer Comment (2023-10-17): XXXXX |  |  | 10/19/2023 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732168 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided, for insurance special/broad form with comp factors strong reserves. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): XXXXX<br>Reviewer Comment (2023-10-17): XXXXX |  |  | 10/19/2023 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732169 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided for First-time Investor. [redacted] unit property not allowed. Comp factors are Strong reserves and High FICO [redacted] | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): XXXXX<br>Reviewer Comment (2023-10-17): XXXXX |  |  | 10/19/2023 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732170 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | EMD for [redacted] not sourced. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-12-05): XXXXX<br>Reviewer Comment (2023-11-24): XXXXX |  |  | 12/05/2023 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732171 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Authorization missing. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-12-04): XXXXX<br>Reviewer Comment (2023-11-24): XXXXX |  |  | 12/04/2023 | 2 C B D |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732172 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. |  |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732173 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Stamped Title Company Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Stamped 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. |  |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732174 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  |  | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's FICO [redacted] and guideline minimum is [redacted]. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-12-06): XXXXX<br>Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063279 | XXXX | XXXX |  | 35732177 |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732178 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is not provided in file. | Borrower has owned the subject property for at least [redacted] years. |  | SitusAMC | Reviewer Comment (2023-12-06): XXXXX<br>Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 C B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732182 |  | 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 [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732183 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a copy of Appraisal is missing in file. |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732184 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. | Signed copy of Initial Application is not provided in file or signed by the lender. |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732185 |  | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Late Charge Percent and Amount Testing > [redacted] | XXXXX Late Charge: Note late charge of [redacted] exceeds state maximum of [redacted] or [redacted], whichever is greater. | As per Note late charge is [redacted]which exceeds the state maximum limit of [redacted] or [redacted], whichever is greater. |  |  |  | Reviewer Comment (2023-10-26): XXXXX |  |  | 10/26/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732186 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than Guideline representative FICO score of[redacted]. | Borrower's Experience/Track Record<br>Borrower has owned the subject property for at least [redacted] years. | Borrower's Experience/Track Record. The borrower has: "[redacted]" Years of Experience. Currently holds "[redacted]" Properties and has Completed "[redacted]" Properties. | Originator Pre-Close<br>SitusAMC | Reviewer Comment (2023-10-19): XXXXX |  |  | 10/19/2023 | 2 C B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732187 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception no HOI in escrows with comp factor seasoned investor of [redacted] years. | Borrower's Experience/Track Record<br>Borrower has owned the subject property for at least [redacted] years. | Borrower's Experience/Track Record. The borrower has: "[redacted]" Years of Experience. Currently holds "[redacted]" Properties and has Completed "[redacted]" Properties. | Originator Pre-Close<br>SitusAMC | Reviewer Comment (2023-10-19): XXXXX |  |  | 10/19/2023 | 2 C B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732188 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide rent loss evidence on HOI | Borrower has owned the subject property for at least [redacted] years. |  | SitusAMC | Reviewer Comment (2023-12-04): XXXXX<br>Reviewer Comment (2023-11-24): XXXXX |  |  | 12/04/2023 | 2 C B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732189 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided, for FICO, with comp factor seasoned investor of [redacted] years. | Borrower's Experience/Track Record<br>Borrower has owned the subject property for at least [redacted] years. | Borrower's Experience/Track Record. The borrower has: "[redacted]" Years of Experience. Currently holds "[redacted]" Properties and has Completed "[redacted]" Properties. | Originator Pre-Close<br>SitusAMC | Reviewer Comment (2023-10-19): XXXXX |  |  | 10/19/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063280 | XXXX | XXXX |  | 35732190 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided, for no lease, with comp factor seasoned investor of [redacted] years. | Borrower's Experience/Track Record<br>Borrower has owned the subject property for at least [redacted] years. | Borrower's Experience/Track Record. The borrower has: "[redacted]" Years of Experience. Currently holds "[redacted]" Properties and has Completed "[redacted]" Properties. | Originator Pre-Close<br>SitusAMC | Reviewer Comment (2023-10-19): XXXXX |  |  | 10/19/2023 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063282 | XXXX | XXXX | XXXX | 35732206 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Please override |  |  |  | Reviewer Comment (2019-09-05): Completed payment log provided.<br>Buyer Comment (2019-09-04): The subject property is used as an XXXX. Docs uploaded for review. | 09/05/2019 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225063282 | XXXX | XXXX | XXXX | 35732210 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225063282 | XXXX | XXXX | XXXX | 35732211 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225063284 | XXXX | XXXX | XXXX | 35732212 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2019-11-15): Cleared based on documents received. | 11/15/2019 |  |  | 1 D A |  | TN | Investment | Purchase | D B C A |  | N/A | No |
| 225063284 | XXXX | XXXX | XXXX | 35732215 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2020-01-29): Received CDA.<br>Reviewer Comment (2020-01-07): Response says CDA was loaded but no documents were attached. Please load to the exception for review.<br>Seller Comment (2020-01-06): CDA uploaded<br>Reviewer Comment (2019-11-22): As of [redacted][redacted]has not been received<br>Reviewer Comment (2019-11-12): As of [redacted][redacted]not received<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 01/29/2020 |  |  | 1 C A |  | TN | Investment | Purchase | D B C A |  | N/A | No |
| 225063284 | XXXX | XXXX | XXXX | 35732216 |  | 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 ___. |  | [redacted] months reserves >[redacted]months guideline minimum<br>Excellent repayment history |  | Originator<br>SitusAMC,Originator | Reviewer Comment (2019-11-11): Waived with comp factors |  |  | 11/11/2019 | 2 C B |  | TN | Investment | Purchase | D B C A |  | N/A | No |
| 225063284 | XXXX | XXXX | XXXX | 35732217 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | TN | Investment | Purchase | D B C A |  | N/A | No |
| 225063284 | XXXX | XXXX | XXXX | 35732220 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  | [redacted] months reserves >[redacted]months guideline minimum |  | Originator | Reviewer Comment (2024-04-22): FICO [redacted], CLTV [redacted], Reserves $[redacted], Clean pay history |  |  | 04/22/2024 | 2 B |  | TN | Investment | Purchase | D B C A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732221 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2019-10-22): Exception cleared due to receipt of cited missing document. | 10/22/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732222 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2019-10-22): Exception cleared due to receipt of cited missing document. | 10/22/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732225 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2020-01-29): CDA Provided<br>Reviewer Comment (2020-01-07): Response says CDA was loaded but no documents were attached. Please load to the exception for review.<br>Seller Comment (2020-01-06): CDA uploaded<br>Reviewer Comment (2019-11-22): As of [redacted]DA has not been received<br>Reviewer Comment (2019-11-12): As of [redacted]DA not received<br>Reviewer Comment (2019-10-16): This is a rating agency requirement and is not related to origination guidelines.<br>Reviewer Comment (2019-10-15): NOTE: This is a rating agency requirement and is not related to origination guidelines. | 01/29/2020 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732226 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  |  |  |  |  | Reviewer Comment (2019-10-22): Exception cleared due to receipt of cited missing document. | 10/22/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732227 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | Verification not provided |  |  |  | Reviewer Comment (2019-10-16): Client elects to waive as [redacted]/[redacted] |  |  | 10/16/2019 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732230 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732231 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732232 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted] days is less than the state minimum of [redacted] days. | Note grace period of [redacted] days is less than the state minimum of [redacted]days. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063285 | XXXX | XXXX | XXXX | 35732233 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty First Lien | [redacted] Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to [redacted] Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty not permissible on a first lien loan less than or equal to [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225063286 | XXXX | XXXX | XXXX | 35732235 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 225063286 | XXXX | XXXX | XXXX | 35732236 |  | 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 [redacted] business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 225063286 | XXXX | XXXX | XXXX | 35732237 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted] exceeds the state maximum of [redacted] | Note late charge percent of [redacted] exceeds the state maximum of [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 225063286 | XXXX | XXXX | XXXX | 35732238 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty ([redacted] Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than [redacted]. Loan contracts for an interest rate of [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Interest rate of [redacted]is greater than maximum allowed of[redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732240 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  |  |  |  |  | Reviewer Comment (2019-12-04): Evidence of the application date of the property application provided.<br>Buyer Comment (2019-12-02): We do not use a standard [redacted], I have proved evidence of the Property Application, the date it was entered into our system and the subsequent disclosures that were sent out via [redacted] Mail on the very same day [redacted], [redacted] and signed on [redacted] [redacted], [redacted]. Please clear this exception. | 12/04/2019 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732241 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Neighborhood property values not provided. |  |  |  |  |  | Reviewer Comment (2020-02-27): Waiving as [redacted] |  |  | 02/27/2020 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732242 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732243 |  | 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 [redacted] business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732245 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted] exceeds the state maximum of [redacted] | Note late charge percent of [redacted] exceeds the state maximum of [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732246 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty ([redacted] Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than [redacted]. Loan contracts for an interest rate of [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Loan contracts for an interest rate of [redacted] exceed maximum permitted of [redacted] |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063287 | XXXX | XXXX | XXXX | 35732247 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  | Miscellaneous | [redcated] reserves | SitusAMC,Aggregator | Reviewer Comment (2024-04-22): CLTV [redacted], Reserves $[redacted], Clean pay history |  |  | 04/22/2024 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 225063288 | XXXX | XXXX | XXXX | 35732249 |  | 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 ___. |  | Guideline variance approved by lender at time of origination<br>Guideline variance approved by lender at time of origination. | FICO of [redacted]<br>Verified reserves over [redacted] months. | Originator<br>Originator | Reviewer Comment (2020-02-26): Client elects to waive, .Exception waiver approval provided. Compensating factors: Verified reserves over [redacted]months. FICO of [redacted]<br>Buyer Comment (2020-02-25): Loan amount exception approved by Credit/UW - Rational/Compensating Factors: <br> Approve exception to loan amount under [redacted]<br> borrower has [redacted] FICO<br> [redacted]months reserves --[redacted]in excess of required<br> DSCR of [redacted]<br>Please clear this exception. Thank you! |  |  | 02/26/2020 | 2 C B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 225063288 | XXXX | XXXX | XXXX | 35732252 |  | 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 [redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [redacted] business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 225063288 | XXXX | XXXX | XXXX | 35732255 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 225063288 | XXXX | XXXX | XXXX | 35732256 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-04-17): Client elects to waive. |  |  | 04/17/2024 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 225063289 | XXXX | XXXX | XXXX | 35732261 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing in file |  |  |  | Reviewer Comment (2025-01-03): Received Fraud Report exception cleared<br>Buyer Comment (2025-01-02): Fraud Report<br>Reviewer Comment (2024-12-23): Received [redacted] search page however we require fraud report for borrower. exception remains.<br>Buyer Comment (2024-12-23): [redacted].[redacted] | 01/03/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D A | Non QM | Non QM | No |
| 225063289 | XXXX | XXXX | XXXX | 35732263 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Buyer and seller signed Purchase Agreement / Sales Contract is missing in file. |  |  |  | Reviewer Comment (2024-12-23): Received purchase addendum. exception cleared.<br>Buyer Comment (2024-12-23): [redacted] and Addendum | 12/23/2024 |  |  | 1 D A |  | SC | Primary | Purchase | D A | Non QM | Non QM | No |
| 225063290 | XXXX | XXXX | XXXX | 35732272 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | [redacted]Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower within [redacted] days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-01-27): [redacted] receipt confirmation received exception cleared<br>Buyer Comment (2025-01-24): Confirmation of [redacted] download<br>Reviewer Comment (2025-01-23): [redacted] [redacted] Delivery Status shows E-Submission Sent date, however there is no E-submission Downloaded Date/delivered date which confirms Borrower Viewed or received the [redacted] Copy. Exception Remains<br>Buyer Comment (2025-01-22): Per Lender: "[redacted] uploaded is a response from [redacted] [redacted] services, this comes from them when borrower receives and views the [redacted], therefore, the date of [redacted] is the acceptable amount of time"<br>Reviewer Comment (2025-01-21): Delivery doc is dated [redacted] . We don't have proof the valuation was received so we are using the mailbox rule. Received date is [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2025-01-17): [redacted] delivery | 01/27/2025 |  |  | 1 B A |  | ID | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063290 | XXXX | XXXX | XXXX | 35732273 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-01-27): [redacted] receipt confirmation received exception cleared<br>Buyer Comment (2025-01-24): Please see uploaded documentation showing borrower downloaded report on [redacted]<br>Reviewer Comment (2025-01-23): [redacted] [redacted] Delivery Status shows E-Submission Sent date, however there is no E-submission Downloaded Date/delivered date which confirms Borrower Viewed or received the [redacted] Copy. Exception Remains<br>Buyer Comment (2025-01-22): Per Lender: "the [redacted] uploaded is a response from [redacted] [redacted] services, this comes from them when borrower receives and views the [redacted], therefore, the date of [redacted] is the acceptable amount of time"<br>Reviewer Comment (2025-01-21): Delivery doc is dated [redacted] . We don't have proof the valuation was received so we are using the mailbox rule. Received date is [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2025-01-17): Please see uploaded [redacted] delivery | 01/27/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063290 | XXXX | XXXX | XXXX | 35732274 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Higher priced mortgage loan APR of [redacted]% or Final Disclosure APR of [redacted]% exceed of APOR [redacted]% + [redacted]% or [redacted]% Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-01-27): [redacted] receipt confirmation received exception cleared<br>Buyer Comment (2025-01-24): Please see uploaded documentation showing borrower downloaded report on [redacted]<br>Reviewer Comment (2025-01-23): [redacted] [redacted] Delivery Status shows E-Submission Sent date, however there is no E-submission Downloaded Date/delivered date which confirms Borrower Viewed or received the [redacted] Copy. Exception Remains<br>Buyer Comment (2025-01-22): Per Lender: "the AIR uploaded is a response from [redacted] [redacted] services, this comes from them when borrower receives and views the [redacted], therefore, the date of [redacted] is the acceptable amount of time"<br>Reviewer Comment (2025-01-21): Delivery doc is dated [redacted] . We don't have proof the valuation was received so we are using the mailbox rule. Received date is [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2025-01-17): Please see uploaded [redacted] delivery | 01/27/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063291 | XXXX | XXXX | XXXX | 35732276 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is [redacted], and not a [redacted]. | Title Evidence: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted] | [redacted]vs [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-12): Investor accepts and waives with compensating factors. |  |  | 02/12/2025 | 1 A |  | GA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063291 | XXXX | XXXX | XXXX | 35732279 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 01/14/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063291 | XXXX | XXXX | XXXX | 35732280 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] supports value. Vendor/[redacted]do not meet Fitch criteria. Sec ID: [redacted] |  | The file is missing a copy of the [redacted]valuation required for securitization purposes. Guideline requires CDA and [redacted] was provided. |  |  |  | Reviewer Comment (2025-02-04): CDA provided. Cleared.<br>Buyer Comment (2025-02-04): CDA<br>Reviewer Comment (2025-01-28): Received updated [redacted] with correction in City Name, however still missing updated CDA with correction in City Name to [redacted]. Exception Remains<br>Buyer Comment (2025-01-27): updated [redacted] with corrections<br>Reviewer Comment (2025-01-22): Received CDA however city name shows XXXX whereas Actual city Name is [redacted] , also provide updated [redacted] Report with actual City name as [redacted]. Exception Remains<br>Buyer Comment (2025-01-21): CDA | 02/04/2025 |  |  | 1 A D |  | GA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063291 | XXXX | XXXX | XXXX | 35732281 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per Appraisal report property is rural with zoning as Agricultural Residential which is eligible however, area is [redacted] acres and per guide property with more than [redacted]acres is ineligible, further review required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted] | [redacted]vs [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-12): Investor accepts and agrees to waive with compensating factors.<br>Reviewer Comment (2025-02-04): Loan moving to [redacted]<br>Buyer Comment (2025-02-03): Exception from [redacted]. Loan will be moving to [redacted]. |  |  | 02/12/2025 | 2 C B |  | GA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063292 | XXXX | XXXX | XXXX | 35732285 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA [redacted]: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-04-18): [redacted] Received [redacted]. | 04/18/2025 |  |  | 1 A |  | MS | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 225063292 | XXXX | XXXX | XXXX | 35732286 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]for Title - Closing protection letter fee, Title - Document preparation fee, Title - Insurance Binder fee, Title - Abstract/Title Search, Title Courier fee. No valid COC provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-18): [redacted]Received [redacted]and borrower shopped for services.<br>Buyer Comment (2025-04-17): [redacted] | 04/18/2025 |  |  | 1 C A |  | MS | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225063292 | XXXX | XXXX | XXXX | 35732287 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2025-04-21): Lender Confirm prior [redacted] notice was sent in error and [redacted] report was the initial one and delivery evidence also provided. Exception Cleared<br>Buyer Comment (2025-04-18): [redacted] - Per Lender: Please note, The reports uploaded prior to [redacted]were erroneous and the AMC removed them. I've replaced the proof of delivery with the correct ones in XXXX and attached. [redacted] dated[redacted] is the correct and initial one | 04/21/2025 |  |  | 1 B A |  | MS | Second Home | Purchase | C A | Non QM | Non QM | No |
| 225063293 | XXXX | XXXX | XXXX | 35732292 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Partial Payments | TILA-RESPA [redacted] - Loan Disclosures: [redacted] provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final CD provided on [redacted] reflects in partial payments as both "May accept payments" and "does not accept any partial payments" hence require updated or corrected CD. |  |  |  | Reviewer Comment (2025-06-13): LOE and corrected [redacted] provided<br>Buyer Comment (2025-06-13): [redacted] |  | 06/13/2025 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063293 | XXXX | XXXX | XXXX | 35732294 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] /Declarations: [redacted]. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | On Final [redacted] it is mentioned as Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? was entered Yes. require confirmation on Lien that could take priority over subject or first mortgage Lien or need corrected final [redacted]. |  |  |  | Reviewer Comment (2025-06-17): Updated [redacted] received. borrower marked it as No. Exception cleared.<br>Buyer Comment (2025-06-16): updated [redacted], should have been no, it was a typo | 06/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063296 | XXXX | XXXX | XXXX | 35732310 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. This is for [redacted]. |  |  |  | Buyer Comment (2025-06-04): Acknowledged as non-material. |  |  | 06/04/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063296 | XXXX | XXXX | XXXX | 35732312 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Partial Payments | TILA-RESPA [redacted] - Loan Disclosures: [redacted] provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. | [redacted] issued on [redacted] incorrectly disclosed whether the loan allows for partial payments as both may accept as well as does not accept partial payments. |  |  |  | Reviewer Comment (2025-06-05): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-04): LOE/[redacted] and PCCD |  | 06/05/2025 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063296 | XXXX | XXXX | XXXX | 35732315 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Cured at closing |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | 06/03/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063298 | XXXX | XXXX | XXXX | 35732323 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: [redacted]reserves months discrepancy. |  | Missing assets to cover reserves requirements. Missing acct#[redacted], [redacted], [redacted], [redacted], [redacted]referenced on the final loan application. |  |  |  | Reviewer Comment (2025-06-24): LOX provided. Cleared.<br>Buyer Comment (2025-06-24): Per lender : uploaded last week the attached which included a letter from the financial manager explaining that the money was inherited (which I know you understand that) and then transferred to the XXXX along with the transaction history showing the withdrawal of the $[redacted]which all aligns. Plus, the 'XXXX" with the large deposit into the borrower's account. There was over $[redacted]in the oasis account statement ending [redacted] and the transaction history shows the exact amount that was transferred via ETF to the borrower account as said above<br>Reviewer Comment (2025-06-02): Received D1C report for all Accounts reported in Final [redacted], however require source of Large deposit of $[redacted]Made on [redacted] on [redacted] account # [redacted]. Exception Remains<br>Buyer Comment (2025-05-30): see accountchek | 06/24/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732324 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Require E-sign Consent Agreement as it is missing. |  |  |  | Reviewer Comment (2025-06-25): E consent provided.<br>Buyer Comment (2025-06-24): Econsent | 06/25/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732325 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-02): Received CDA Exception cleared<br>Buyer Comment (2025-05-30): CDA | 06/02/2025 |  |  | 1 D A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732326 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Unable to verify percentage of ownership with documentation provided. |  |  |  | Reviewer Comment (2025-06-23): Received Operating agreement confirmed Ownership of both borrower. Guideline allows ownership verification via third party source. Exception Cleared<br>Buyer Comment (2025-06-20): Operating Agreement | 06/23/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732327 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Require Title documentation as it is missing in file |  |  |  | Reviewer Comment (2025-06-02): Received Title commitment report. Exception Cleared<br>Buyer Comment (2025-05-30): title commitment | 06/02/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732328 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing assets to meet closing requirements |  |  |  | Reviewer Comment (2025-06-24): Lox provided.<br>Buyer Comment (2025-06-24): See lox uploaded to [redacted] exception : Per Lender uploaded last week the attached which included a letter from the financial manager explaining that the money was inherited (which I know you understand that) and then transferred to the XXXX along with the transaction history showing the withdrawal of the $[redacted]which all aligns. Plus, the '[redacted]" with the large deposit into the borrower's account. There was over $[redacted]in the oasis account statement ending [redacted] and the transaction history shows the exact amount that was transferred via ETF to the borrower account as said above<br>Reviewer Comment (2025-06-02): Received [redacted]report for all Accounts reported in Final [redacted], however require source of Large deposit of $[redacted]Made on [redacted] on [redacted] account # [redacted]. Exception Remains<br>Buyer Comment (2025-05-30): Accountchek | 06/24/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063298 | XXXX | XXXX | XXXX | 35732329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted]Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-24): Lox provided for asset use.<br>Buyer Comment (2025-06-24): Please review | 06/24/2025 |  |  | 1 B A C |  | VA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 225063298 | XXXX | XXXX | XXXX | 35732330 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-24): Lox provided for asset use.<br>Buyer Comment (2025-06-24): Please review | 06/24/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 225063300 | XXXX | XXXX | XXXX | 35732347 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is [redacted], and not a [redacted]. |  |  |  |  |  | Reviewer Comment (2019-03-07): Received the Final Title Policy. | 02/19/2019 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Higher Priced QM | Higher Priced QM | No |
| 225063300 | XXXX | XXXX | XXXX | 35732348 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted] is incomplete |  | The CD dated [redacted] /[redacted] incomplete, missing information pg. [redacted], [redacted], [redacted] and signed and dated by borrower. |  |  |  | Reviewer Comment (2019-03-07): [Redacted] received an attestation the CD dated [redacted] as not provided to the Borrower, used for title figures only.<br>Buyer Comment (2019-03-07): The [redacted] CD you are referring to is not the final CD XXXX CD, this version was generated by the title company for their own purposes. The CD I uploaded that was generated on[redacted] and signed on [redacted] is the final XXXX CD<br>Reviewer Comment (2019-03-07): File contains an incomplete Closing Disclosure dated [redacted] that was signed by the borrower on [redacted]. A copy of the completed CD dated [redacted] is required to clear this exception.<br>Buyer Comment (2019-03-07): please note I have uploaded the final CD<br>Buyer Comment (2019-03-07): Please note I have uploaded the final signed CD | 02/19/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Higher Priced QM | Higher Priced QM | No |
| 225063300 | XXXX | XXXX | XXXX | 35732349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [redacted] Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank [redacted]): Missing Employment Dates to verify two years current employment. (XXXXX/[redacted]) | Missing balance sheet and CPA letter. |  |  |  | Reviewer Comment (2019-03-07): [redacted]schedule [redacted] transcript from [Redacted] was sufficient to verify start date as at least [redacted] years prior to app date.<br>Reviewer Comment (2019-03-07): Subject loan designation is QM Higher Priced and borrower is self-employed. File contains a [redacted] of the borrower's business however, file is missing documentation to verify the business start date and a minimum of [redacted] years of self employment, as required by Appendix Q. | 02/19/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Higher Priced QM | Higher Priced QM | No |
| 225063300 | XXXX | XXXX | XXXX | 35732351 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted]Constitution Section [redacted]: Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the [redacted]Endorsement, there is no evidence the Title Policy includes the [redacted]XXXXX endorsement. (The loan is a [redacted]Section [redacted]home equity loan.) |  |  |  |  | Reviewer Comment (2019-03-07): Received the Final Title Policy with all required<br> [redacted]Constitution Section [redacted]endorsements. | 02/19/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C A B | Higher Priced QM | Higher Priced QM | No |
| 225063300 | XXXX | XXXX | XXXX | 35732352 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Homeowner's Insurance Premium Months | TILA-RESPA [redacted] - Other Costs: [redacted] provided on [redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[redacted] | Final CD issued xxxx/xxxxeflects [redacted]months at $[redacted]a month for homeowners insurance under prepaids. Hazard in file reflects a total premium amount of $[redacted]. Final CD disclosed incorrect amount of $[redacted]. |  |  |  | Reviewer Comment (2019-03-07): Upon further review, the exception is cleared.<br>Buyer Comment (2019-03-07): Please waive, we agree the premium is $[redacted]. $[redacted]=[redacted] our system rounds to [redacted] a month, therefore we feel CD is accurate<br>Reviewer Comment (2019-03-07): Section F Prepaids reflects [redacted]months for hazard insurance with a total premium of $[redacted]. The monthly premium in Section G does not match at $[redacted].[redacted]. Provided a Corrected CD and LOE to Borrower for changes made to cure.<br>Buyer Comment (2019-03-07): The [redacted]cent difference is due to rounding. Premium is [redacted]/[redacted]=[redacted]so our system rounded to [redacted] | 02/20/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A B | Higher Priced QM | Higher Priced QM | Yes |
| 225063300 | XXXX | XXXX | XXXX | 35732353 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Collateral Desktop Analysis Fee was disclosed as $[redacted]on the Initial Loan Estimate dated xxxx/[redacted] disclosed as $[redacted]on the [redacted]. Sufficient cure of $[redacted]was provided to the borrower on the [redacted]. |  |  |  |  |  | 02/19/2019 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Higher Priced QM | Higher Priced QM | Yes |
| 225063301 | XXXX | XXXX | XXXX | 35732354 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing recent [redacted]month housing history. [Redacted] subject mortgage w/ [Redacted] is reported but last activity date [Redacted] > [redacted]months old. Mortgage included in Chapter [redacted] Bankruptcy filed xxxx/xxxxonfirmedxxxx/xxxxd completed xxxx/xxxxd discharged [Redacted] . |  |  |  | Reviewer Comment (2019-03-14): Credit supplement received, no late payments in last 24 months | 03/11/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732355 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Missing completed Written VOE reflecting gross YTD earnings to support income used to qualify.Co-borrower's [Redacted] pay stubs in file do not reflect YTD gross wages and or deductions. Lender's DTI based on a $[Redacted] monthly income amount. Review DTI based on a [redacted] month average of [Redacted] and [Redacted] [redacted]'s. |  |  |  | Reviewer Comment (2019-03-14): Rec'd Employer letter with YTD earnings in trailing docs.<br>Buyer Comment (2019-03-14): See UW cert and documentation form the school district for YTD income<br>Reviewer Comment (2019-03-14): Nothing additional rec'd.<br>Reviewer Comment (2019-03-14): Completed Written VOE reflecting gross YTD earnings to support income used to qualify was not provided. Lender's exception approval dated [Redacted] for "allowed the initial 1003 to have lower income that [Redacted] final income. Difference is minor" provide. Unable to reconcile response to reported exception. Issue remains [redacted]. | 03/04/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732356 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | [Redacted] < [redacted] minimum at approved [redacted]% LTV under [Redacted] [redacted] Month Bank Statement [redacted] ARM program Tier [redacted] [Redacted] matrix) | $[Redacted] excess reserves<br>Residual Income exceeds $[Redacted] |  | Originator<br>Originator | Reviewer Comment (2019-03-14): [Redacted] FICO supports [redacted]% LTV under [Redacted] Reduced Doc [redacted] Month [redacted][redacted]ARM Cash-out program Tier [redacted][Redacted] . Approved [redacted]% > [redacted]%. Lender's exception approval dated [Redacted] for [redacted]% LTV exception provided ([redacted]). Compensating factors: Residual Income exceeds $[redacted]and $[redacted] excess reserves. |  |  | 12/13/2018 | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732359 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing Rate Lock |  |  |  | Reviewer Comment (2019-03-14): Rate lock has been provided. | 12/10/2018 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732360 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank [redacted]) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. |  |  |  |  | Reviewer Comment (2019-03-14): Received | 12/10/2018 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732362 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Total Interest Percentage | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on xxxx/xxxxsclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Finxxxx/xxxx) | Disclosed [Redacted] % > Calculated [redacted][Redacted] %. Used Index Value = [redacted]% for testing |  |  |  | Buyer Comment (2019-03-14): overdislcosed |  |  | 12/06/2018 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063301 | XXXX | XXXX | XXXX | 35732363 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Non Escrowed Property Costs Year [redacted] | TILA-RESPA [redacted] - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of $[redacted] on [redacted] provided on xxxx/xxxxt accurate. (Finxxxx/xxxx) | Disclosed Non-Escrowed Property Costs over Year [redacted]of $[redacted]> $[redacted]($[redacted]monthly Primary HOA Dues x [redacted]). Subject appraised as a SFR with no HOA dues |  |  |  | Reviewer Comment (2019-03-14): [Redacted] received updated [redacted] indicating HOA dues of [redacted]ar. Excepetion Cleared. | 12/10/2018 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063301 | XXXX | XXXX | XXXX | 35732364 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | [redacted] discloses a $[redacted]Lender cure credit for tolerance |  |  |  |  |  | 12/05/2018 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063301 | XXXX | XXXX | XXXX | 35732365 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-03-14): Rec'd CDA. | 03/05/2019 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063301 | XXXX | XXXX | XXXX | 35732366 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | Credit supplement received for [Redacted] , date last active was [Redacted] application date [Redacted] which is over [redacted] months. Guidelines Version [redacted] section [redacted] state loans that do not have a complete [redacted] month housing history must be Full documentation of income (Bank Statement Documentation not allowed). Loan is approved as a [redacted] month bank statement. |  |  |  | Reviewer Comment (2019-03-14): Credit supplement provided as evidence mortgage history satisfactory. | 03/12/2019 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732367 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted]. | 04/10/2019 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732369 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when [redacted]are required. |  | The [redacted] is missing from the file. |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted]. | 04/10/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732370 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: Property is located in a [redacted] Disaster area and has not been inspected. |  | The appraisal is missing from the file. There is evidence (via cost on the final CD) that one was ordered, but not in the file. |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted].<br>Buyer Comment (2019-04-17): [redacted] provided | 04/10/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732371 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted].<br>Buyer Comment (2019-04-17): federal high cost APR limit is [redacted]. [redacted]shows a pass. | 04/10/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732372 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] | TILA HPML appraisal Rule (Dodd-Frank XXXXX):[redacted] requirements not satisfied. |  |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted].<br>Buyer Comment (2019-04-17): [redacted] provided | 04/10/2019 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732373 |  | 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. |  |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted].<br>Buyer Comment (2019-04-17): [redacted] provided | 04/10/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732374 |  | 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 [redacted]): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2019-04-17): Received the [redacted].<br>Buyer Comment (2019-04-17): [redacted] provided | 04/10/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732375 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank XXXXX) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. |  |  |  |  | Reviewer Comment (2019-04-17): Received Mortgage Broker Agreement. | 04/12/2019 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| 225063302 | XXXX | XXXX | XXXX | 35732377 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Property Value | Unable to run Property value test due to missing information. | There is no primary appraisal in the file. |  |  |  | Reviewer Comment (2019-04-17): [redacted] received required documents, appraised value matches exception is cleared.<br>Buyer Comment (2019-04-17): [redacted] uploaded | 04/10/2019 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063302 | XXXX | XXXX | XXXX | 35732378 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Without Seller - Closing Costs Financed | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on xxxx/xxxxsclosed Closing Costs Financed that does not match actual amount of closing costs financed. | [redacted] (Calculated Cash to Close Section - P.[redacted]) disclosed Closing Costs Financed of $[redacted]; calculated Closing Costs Financed are $[redacted]. |  |  |  | Reviewer Comment (2019-04-17): [redacted] received LOE. Exception Cured.<br>Buyer Comment (2019-04-17): cover letter provided<br>Reviewer Comment (2019-04-17): [redacted] received the PCCD; LOE required in order to address the exception. |  | 04/12/2019 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063303 | XXXX | XXXX | XXXX | 35732382 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 04/23/2019 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM | Higher Priced QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Escrowed Property Costs Year [redacted]- October [redacted] | TILA-RESPA [redacted] - Loan Disclosures: Amount of Escrowed Property Costs over Year [redacted] of [redacted] on [redacted] provided on xxxx/xxxxt accurate. | Unable to determine the property tax rate the lender used for the approval. Per the tax cert in the file the [Redacted] estimated taxes are $[redacted]. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed exception. The Final CD escrow amount is consistent with [redacted]. Exception Cleared.<br>Buyer Comment (2019-05-20): [redacted] policy is to gross up tax amount by [redacted]% for escrow | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732384 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: [redacted] provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. | Unable to determine the property tax rate the lender used for the approval. Per the tax cert in the file the [Redacted] estimated taxes are $[redacted]. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed exception. The Final CD escrow amount is consistent with [redacted. Exception Cleared.<br>Buyer Comment (2019-05-20): [redacted] Policy is to gross up taxes by [redacted]% | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Estimated Total Minimum Payment Fixed Rate | TILA-RESPA [redacted] - Projected Payments: [redacted] provided on xxxx/xxxxsclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. | Unable to determine the property tax rate the lender used for the approval. Per the tax cert in the file the [Redacted] estimated taxes are $[redacted]. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed exception. The Final CD escrow amount is consistent with [redacted. Exception Cleared.<br>Buyer Comment (2019-05-20): [redacted] Policy is to gross up taxes by [redacted]% | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732386 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing. |  |  |  | Reviewer Comment (2019-05-20): [redacted] verified original title fee was $[redacted], due to rounding refund was sufficient.<br>Reviewer Comment (2019-05-20): UPDATED: TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. The cure provided at closing was $[redacted]and the required cure was $[redacted]additional cure of [redacted] cents required.<br>Buyer Comment (2019-05-20): correct tolerance provided on CD documentation provided | 04/25/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732387 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on [redacted] electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to [redacted] | Initial loan disclosures were sent [redacted] however, the borrower did not consent for electronic delivery until [redacted] |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): sending proof of e-sign consent | 04/17/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 225063304 | XXXX | XXXX |  | 35732388 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732389 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for [redacted]. Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]:[redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): providing e-consent | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): providing e-consent | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732394 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): providing e-sonsent | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732395 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): providing e-consent | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted], absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] verified original title fee was [redacted], due to rounding refund was sufficient.<br>Reviewer Comment (2019-05-20): UPDATED: TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. The cure provided at closing was $[redacted] and the required cure was $[redacted] additional cure of [redacted] cents required.<br>Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. reviewed exception and [redacted] reviewed E Consent. Exception Cleared.[redacted] indicating rate lock. A rate lock is not related to increased Title-Lender's Title Insurance therefore the [redacted] is not considered valid for increase.<br>Buyer Comment (2019-05-20): providing e-consent | 04/25/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted]G update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared.<br>Buyer Comment (2019-05-20): providing proof of e-consent | 04/17/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]:[redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing E-Consent for the [redacted] electronically signed by borrower. Per [redacted] update, absence of e-consent is the equivalent of the disclosures never being sent. Fee Tolerance will be re-tested upon receipt of e-consent. |  |  |  | Reviewer Comment (2019-05-20): Change of circumstance - loan amount increase and property value increased<br>Buyer Comment (2019-05-20): correct tolerance provided on CD documentation provided<br>Reviewer Comment (2019-05-20): [redacted] reviewed E Consent. Exception Cleared. reviewed exception and[redacted] reviewed E Consent. Exception Cleared. [redacted] indicating rate lock. A rate lock is not related to increased transfer tax therefore the [redacted] is not considered valid for increase. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure.<br>Buyer Comment (2019-05-20): providing proof of e-consent | 04/22/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732399 |  | 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 [redacted] business days prior to consummation. | unable to locate in file |  |  |  | Reviewer Comment (2019-05-20): Received evidence borrower was provided with [redacted].<br>Buyer Comment (2019-05-20): [redacted] web'd on[redacted]; closed on[redacted]. Uploading proof | 04/18/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063304 | XXXX | XXXX |  | 35732400 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | high cost evaluation said not a high priced loan |  |  |  | Reviewer Comment (2019-05-20): Received evidence borrower was provided with [redacted].<br>Buyer Comment (2019-05-20): Agree; this is a higher priced loan | 04/18/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063304 | XXXX | XXXX |  | 35732401 |  | 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 [redacted] business days prior to consummation. | unable to locate in file |  |  |  | Reviewer Comment (2019-05-20): Received evidence borrower was provided with [redacted].<br>Buyer Comment (2019-05-20): provided proof of delivery | 04/18/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063304 | XXXX | XXXX |  | 35732403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Final disclosure reflects a total expense for the CDA fee [redacted], initially not disclosed, sufficient cure provided at closing. |  |  |  | Reviewer Comment (2019-05-20): A cure was provided at close. Exception Cured.<br>Buyer Comment (2019-05-20): tolerance reflected on CD; providing proof |  | 04/17/2019 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732405 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 04/25/2019 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063304 | XXXX | XXXX |  | 35732406 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 04/25/2019 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063308 | XXXX | XXXX | XXXX | 35732445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for [redacted]. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-01-19): Sufficient Cure Provided At Closing |  | 01/19/2024 |  | 1 A |  | AR | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063311 | XXXX | XXXX | XXXX | 35732463 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: [redacted] reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline [redacted]months reserves of [redacted]. Lender used [redacted]% of [redacted] account for reserves, however per guidelines only up to [redacted]% of the vested amount, less any outstanding loans secured by the account funds, may be counted toward Reserves. Borrower is not retirement age. |  |  |  | Reviewer Comment (2024-07-24): Received [redacted] for the month of [redacted] which reflects higher ending balance. Sufficient funds available for reserves. Exception is cleared. | 07/24/2024 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063311 | XXXX | XXXX | XXXX | 35732464 |  | 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. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-07-29): Received [redacted] for the month of [redacted] which reflects higher ending balance. Sufficient funds available for reserves. Exception is cleared.<br>Seller Comment (2024-07-26): [redacted] RESERVES were previously cleared- please advise as to this item | 07/29/2024 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 225063311 | XXXX | XXXX | XXXX | 35732465 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-07-29): Received [redacted] for the month of [redacted] which reflects higher ending balance. Sufficient funds available for reserves. Exception is cleared.<br>Seller Comment (2024-07-26): [redacted] RESERVES were previously cleared- please advise as to this item thanks !!<br>Reviewer Comment (2024-07-16): Loan is failing reserve requirement. Exception will remain until reserve requirement is cleared.<br>Seller Comment (2024-07-16): [redacted] Please advise what is needed to clear these ATR items loan is general ATR per [redacted] | 07/29/2024 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063311 | XXXX | XXXX | XXXX | 35732466 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-07-12): Sufficient Cure Provided At Closing |  | 07/12/2024 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063312 | XXXX | XXXX | XXXX | 35732469 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae [redacted]3% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $9,319.04 (an overage of $[redacted]or [redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 08/02/2024 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063312 | XXXX | XXXX | XXXX | 35732472 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Procession Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted]on [redacted]. 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 $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-08-02): Sufficient Cure Provided At Closing |  | 08/02/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063312 | XXXX | XXXX | XXXX | 35732473 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | Procession Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on [redacted]. 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 $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-08-02): Sufficient Cure Provided At Closing |  | 08/02/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063313 | XXXX | XXXX | XXXX | 35732478 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | Fannie Mae Points and Fees threshold exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 08/22/2024 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063313 | XXXX | XXXX | XXXX | 35732480 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted] on [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-22): Sufficient Cure Provided within [redacted] |  | 08/22/2024 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 225063313 | XXXX | XXXX | XXXX | 35732483 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/22/2024 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063316 | XXXX | XXXX | XXXX | 35732496 |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - [redacted]% Points and Fees | XXXXX [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted]or .[redacted]%. |  |  |  |  |  |  | 11/19/2024 | 2 B |  | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063317 | XXXX | XXXX | XXXX | 35732500 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/04/2024 | 2 B |  | NH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063317 | XXXX | XXXX | XXXX | 35732501 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[redacted]or .[redacted]%. |  |  |  |  |  |  | 10/04/2024 | 2 B |  | NH | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063317 | XXXX | XXXX | XXXX | 35732504 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | [redacted]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. |  |  |  | Reviewer Comment (2024-10-04): Sufficient Cure Provided At Closing |  | 10/04/2024 |  | 1 A |  | NH | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063317 | XXXX | XXXX | XXXX | 35732506 |  | 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. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. The failure is due to dti exception |  |  |  | Reviewer Comment (2024-11-06): Evidence mortgage is paid by another party received.<br>Seller Comment (2024-10-31): [redacted] was excluded as paid by business. [redacted] are shown leaving the business account used for qualifying. | 11/06/2024 |  |  | 1 B A C |  | NH | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063317 | XXXX | XXXX | XXXX | 35732507 |  | 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 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. A DTI breakdown was not provided for review to determine the discrepancy. |  |  |  | Reviewer Comment (2024-11-06): Evidence mortgage is paid by another party received.<br>Seller Comment (2024-10-31): [redacted] was excluded as paid by business. [redacted] are shown leaving the business account used for qualifying. | 11/06/2024 |  |  | 1 C A |  | NH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063317 | XXXX | XXXX | XXXX | 35732508 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated DTI of [redacted]%excceeds guideline of [redacted]%. A DTI breakdown was not provided for review to determine the discrepancy. |  |  |  | Reviewer Comment (2024-10-30): Per [redacted]s in file, Mortgage payment for property [redacted] are paid by business. PITIA amount excluded from DTI and [redacted]s associated. Currently DTI is within guidelines limit. Exception is cleared.<br>Seller Comment (2024-10-29): [redacted] was excluded as paid by business. [redacted] are shown leaving the business account used for qualifying. | 10/30/2024 |  |  | 1 C A |  | NH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063317 | XXXX | XXXX | XXXX | 35732509 |  | 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. | This exception will clear once the DTI variance is cleared. |  |  |  | Reviewer Comment (2024-11-06): Evidence mortgage is paid by another party received.<br>Seller Comment (2024-10-31): [redacted] XXXX - [redacted] was excluded as paid by business. [redacted] are shown leaving the business account used for qualifying. | 11/06/2024 |  |  | 1 C A |  | NH | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063319 | XXXX | XXXX | XXXX | 35732517 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 11/11/2024 | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063320 | XXXX | XXXX | XXXX | 35732522 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided At Closing |  | 11/11/2024 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063321 | XXXX | XXXX | XXXX | 35732526 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and [redacted]not be found in the file for loans that have not been previously sold) | HOEPA Assignment Notice is not located in file. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732527 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total Fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732528 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $[redacted]. Threshold maximum is $[redacted]. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732529 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of [redacted]% of amount past due and/or grace period of [redacted]days. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732530 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732531 |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - [redacted]% Points and Fees | [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | XXXXX Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 12/10/2024 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063321 | XXXX | XXXX | XXXX | 35732534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-02): XXXXX<br>Seller Comment (2024-12-31): XXXXX<br>Reviewer Comment (2024-12-13): XXXXX<br>Seller Comment (2024-12-12): XXXXX | 01/02/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063321 | XXXX | XXXX | XXXX | 35732535 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be inspected. | Borrower has been employed in the same industry for [redacted].<br>Borrower has owned the subject property for at [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at [redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-02): XXXXX<br>Reviewer Comment (2024-12-17): XXXXX<br>Reviewer Comment (2024-12-09): XXXXX |  |  | 01/02/2025 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063321 | XXXX | XXXX | XXXX | 35732537 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted]). Non-Compliant High Cost Loan. | Total fees financed by lender is [redacted]. Threshold maximum is [redacted]. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Seller Comment (2024-12-11): XXXXX | 12/11/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 225063321 | XXXX | XXXX | XXXX | 35732538 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-01-02): XXXXX |  | 01/02/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063322 | XXXX | XXXX | XXXX | 35732540 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of[redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees threshold exceeded by an overage of [redacted] |  |  |  |  |  |  | 11/19/2024 | 2 B |  | WA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063322 | XXXX | XXXX | XXXX | 35732544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as[redacted] on Initial [redacted] but disclosed as on [redacted]. 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[redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-12-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-12-02): [redacted] Good Afternoon, Please be advised that there was a [redacted]"Lender Credit" on the Final CD which was associated with the Fee > the limit. Thank you | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063322 | XXXX | XXXX | XXXX | 35732545 |  | 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. | Exception triggered due missing documentation supporting the use of business funds will not negatively impact the business. |  |  |  | Reviewer Comment (2024-12-03): GS waived exception for missing [redacted]. Gift funds meet guidelines. Exception cleared.<br>Reviewer Comment (2024-11-29): No action items received. | 12/03/2024 |  |  | 1 B A C |  | WA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063322 | XXXX | XXXX | XXXX | 35732546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. Additionally evidence the donor ability to donate gifted funds was not found in file. |  |  |  | Reviewer Comment (2024-12-03): GS waived exception for missing [redacted]. Exception cleared.<br>Reviewer Comment (2024-11-29): Client to review, seller is requesting exception to allow use of business funds without CPA impact letter or cash flow analysis. | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063322 | XXXX | XXXX | XXXX | 35732547 |  | 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. | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. Additionally evidence the donor ability to donate gifted funds was not found in file. |  |  |  | Reviewer Comment (2024-12-03): GS waived exception for missing [redacted]. Exception cleared.<br>Reviewer Comment (2024-11-29): Client to review, seller is requesting exception to allow use of business funds without CPA impact letter or cash flow analysis. | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063322 | XXXX | XXXX | XXXX | 35732548 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. Additionally evidence the donor ability to donate gifted funds was not found in file. |  |  |  | Reviewer Comment (2024-12-03): GS waived exception for missing [redacted]. Exception cleared.<br>Reviewer Comment (2024-11-29): Per guidelines require Cash Flow Analysis document or [redacted]. Either of them is require in file for documentation purpose. Please provide to consider business funds. Exception remains.<br>Seller Comment (2024-11-29): [redacted] Per the "Credit Memo" provided noting[redacted] of business [redacted]s reviewed AND UW comments on the 1008 an analysis was performed to verify no impact on the business. Per the guidelines a "Cash Flow Analysis" is also acceptable. Thank you<br>Reviewer Comment (2024-11-27): Per guidelines [redacted] is require stating withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. Exception remains. | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063322 | XXXX | XXXX | XXXX | 35732549 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. Additionally evidence the donor ability to donate gifted funds was not found in file. | Borrower has been employed in the same industry for [redacted].<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-03): [redacted waived exception for missing [redacted]. Gift funds meet guidelines. Exception cleared.<br>Reviewer Comment (2024-11-29): Per guidelines require Cash Flow Analysis document or [redacted]. Either of them is require in file for documentation purpose. Please provide to consider business funds. Exception remains.<br>Seller Comment (2024-11-29): [redacted] Per the "Credit Memo" provided noting [redacted] of business [redacted]s reviewed AND UW comments on the 1008 an analysis was performed to verify no impact on the business. Per the guidelines a "Cash Flow Analysis" is also acceptable. Thank you<br>Reviewer Comment (2024-11-27): Per guidelines [redacted] is require stating withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. Exception remains. | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063322 | XXXX | XXXX | XXXX | 35732550 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. Additionally evidence the donor ability to donate gifted funds was not found in file. |  |  |  | Reviewer Comment (2024-12-03): GS waived exception for missing [redacted]. Gift funds meet guidelines. Exception cleared.<br>Reviewer Comment (2024-11-29): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of [redacted] is less than Cash From Borrower [redacted]<br>Reviewer Comment (2024-11-29): Per guidelines require Cash Flow Analysis document or [redacted]. Either of them is require in file for documentation purpose. Please provide to consider business funds. Exception remains.<br>Seller Comment (2024-11-29): [redacted] Per the "Credit Memo" provided noting [redacted most recent months of business [redacted]s reviewed AND UW comments on the 1008 an analysis was performed to verify no impact on the business. Per the guidelines a "Cash Flow Analysis" is also acceptable. Thank you<br>Reviewer Comment (2024-11-27): Per guidelines [redacted] is require stating withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. Exception remains. | 12/03/2024 |  |  | 1 C A |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063322 | XXXX | XXXX | XXXX | 35732551 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-03): Sufficient Cure Provided At Closing |  | 12/03/2024 |  | 1 A |  | WA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063322 | XXXX | XXXX | XXXX | 35732552 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet reserves. Documentation missing from loan file. | Borrower has been employed in the same industry for [redacted].<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-03): Client elects to waive. Comp factors:<br> [redacted] in residual income |  |  | 12/03/2024 | 2 B |  | WA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225063323 | XXXX | XXXX | XXXX | 35732558 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-03): [redacted] Received Corrected PCCD, LOE, Refund Check and Proof of Mailing. |  | 01/03/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063323 | XXXX | XXXX | XXXX | 35732559 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided within[redacted] |  | 01/03/2025 |  | 1 A |  | NC | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 225063324 | XXXX | XXXX | XXXX | 35732563 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted]on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of[redacted] (an overage of[redacted]). | Fannie Mae Points and Fees threshold exceeded by an overage of [redacted] |  |  |  |  |  |  | 11/27/2024 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063326 | XXXX | XXXX | XXXX | 35732573 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2024-12-31): Offset provided for seller paid loan discounts per Itemization. Loan is not a HOEPA loan.<br>Seller Comment (2024-12-31): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/31/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063326 | XXXX | XXXX | XXXX | 35732574 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees. |  |  |  | Reviewer Comment (2024-12-31): Offset provided for seller paid loan discounts per Itemization. Loan is not a HOEPA loan.<br>Seller Comment (2024-12-31): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/31/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063326 | XXXX | XXXX | XXXX | 35732575 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted] of the amount past due or grace period of [redacted]. | Mortgage loan contains a late charge that exceeds the greater of[redacted] of the amount past due or grace period of [redacted] |  |  |  | Reviewer Comment (2024-12-31): Offset provided for seller paid loan discounts per Itemization. Loan is not a HOEPA loan.<br>Seller Comment (2024-12-31): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/31/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063326 | XXXX | XXXX | XXXX | 35732576 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted]). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]is in excess of the allowable maximum of[redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of[redacted]). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2024-12-31): Offset provided for seller paid loan discounts per Itemization. Loan is not a HOEPA loan.<br>Seller Comment (2024-12-31): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/31/2024 |  |  | 1 C A |  | AL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 225063326 | XXXX | XXXX | XXXX | 35732577 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2024-12-31): Offset provided for seller paid loan discounts per Itemization. Loan is not a HOEPA loan.<br>Seller Comment (2024-12-31): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/31/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063326 | XXXX | XXXX | XXXX | 35732580 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-21): [redacted] Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Seller Comment (2025-01-17): Please see attached |  | 01/21/2025 |  | 2 C B |  | AL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063326 | XXXX | XXXX | XXXX | 35732582 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of insurance document for property address [redacted] |  |  |  | Reviewer Comment (2025-01-28): Insurance is not required as the property is free and clear per property history report and policy provided appears to cover the property per maps. Exception cleared.<br>Seller Comment (2025-01-21): [redacted] : Please note that [redacted] The property is mainly recognized as [redacted]comes up when both addresses are searched. We have provided third-party search records to confirm that the map for both addresses is the same physical location. The insurance policy provided covers the property in question.<br>Reviewer Comment (2025-01-15): Provided online search documents are not acceptable. Please provide other supporting collateral documents evidencing both the property addresses are for the same property location. Exception remains.<br>Seller Comment (2025-01-14): [redacted] : Please note that[redacted] are the same property. The property is mainly recognized as [redacted] property comes up when both addresses are searched. The insurance policy provided covers the property in question.<br>Seller Comment (2025-01-14): [redacted] : Please note that [redacted] property. The property is mainly recognized[redacted]property comes up when both addresses are searched. The insurance policy provided covers the property in question.<br>Reviewer Comment (2025-01-06): Provided Insurance policy is not acceptable as the property address does not match with required REO address. Please provide a valid copy of insurance document for property address[redacted]<br>Seller Comment (2025-01-03): [redacted] AMB: Please see attached. | 01/28/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063326 | XXXX | XXXX | XXXX | 35732583 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by $[redacted] |  |  |  |  |  |  | 12/30/2024 | 2 B |  | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063328 | XXXX | XXXX | XXXX | 35732593 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/14/2025 | 2 B |  | TX | Second Home | Purchase | B A | Non QM | Non QM | No |
| 225063328 | XXXX | XXXX | XXXX | 35732594 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 01/14/2025 | 2 B |  | TX | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063329 | XXXX | XXXX | XXXX | 35732602 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 -[redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 01/09/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063329 | XXXX | XXXX | XXXX | 35732605 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-07): Sufficient Cure Provided At Closing |  | 01/07/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063331 | XXXX | XXXX | XXXX | 35732610 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least three [redacted]) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-01-23): [redacted] received initial CD.<br>Seller Comment (2025-01-22): [redacted]: Please see the attached Closing Disclosure dated [redacted] | 01/23/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 225063331 | XXXX | XXXX | XXXX | 35732613 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-01-22): [redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [redacted] for the [redacted] fee | 01/23/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225063331 | XXXX | XXXX | XXXX | 35732615 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: 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. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2025-01-23): Sufficient Cure Provided At Closing |  | 01/23/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063332 | XXXX | XXXX | XXXX | 35732618 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 01/29/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063333 | XXXX | XXXX | XXXX | 35732624 |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX -[redacted] Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of[redacted]). | XXXXX Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 02/06/2025 | 2 B |  | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063333 | XXXX | XXXX | XXXX | 35732628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on LE but disclosed as[redacted] on [redacted]. 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 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-27): XXXXX<br>Seller Comment (2025-02-26): XXXXX |  | 02/27/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063333 | XXXX | XXXX | XXXX | 35732630 |  | 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. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end Date. |  |  |  | Reviewer Comment (2025-02-20): XXXXX<br>Seller Comment (2025-02-19): XXXXX | 02/20/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063334 | XXXX | XXXX | XXXX | 35732633 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Estimated Escrow Payment Over Disclosed Test | TILA-RESPA [redacted] - Projected Payments: [redacted] provided on [redacted] disclosed an escrow payment for payment stream that does not match the actual payment for the loan. | TILA-RESPA [redacted] - Projected Payments: [redacted] provided on [redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:[redacted]) |  |  |  | Reviewer Comment (2025-02-12): Sufficient Cure Provided At Closing |  | 02/12/2025 |  | 1 A |  | UT | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 225063334 | XXXX | XXXX | XXXX | 35732634 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on [redacted]disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on [redacted] dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted]compared to the calculated total of payments of [redacted] which exceeds the[redacted] threshold. | Disclosure reflects TOP of [redacted] but calculated TOP of[redacted]. |  |  |  | Reviewer Comment (2025-04-03): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-03-26): [redacted] received rebuttal stating [redacted] CDis Final CD and copy of [redacted] However, the consummation date is tested based on the notary date which was [redacted]. This would test the [redacted] CD as the Final CD. The [redacted] CD is a Post Close CD and is dated after closing/consummation date of [redacted]. At closing the TOP was underdisclosed by [redacted] due to the increase in Section D fees on the PCCD after closing which exceeds the threshold tolerance. Cure with Corrected CD, LOE to borrower, copyof cure refund of [redacted] and proof of mailing.<br>Seller Comment (2025-03-25): [redacted] Final CD is Date Issued [redacted] correct TOP disclosed on this CD.<br>Reviewer Comment (2025-03-20): Cure required is [redacted] based on an increase in fees on the final PCCD in section D. Cure requires PCCD, LOE , Copy of refund check and proof of mailing. |  | 04/03/2025 |  | 2 C B |  | UT | Second Home | Purchase | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 225063334 | XXXX | XXXX | XXXX | 35732635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA [redacted] - Loan Disclosures: [redacted] provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | TILA-RESPA [redacted] - Loan Disclosures: [redacted] provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [redacted] |  |  |  | Reviewer Comment (2025-02-12): Sufficient Cure Provided At Closing |  | 02/12/2025 |  | 1 A |  | UT | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 225063336 | XXXX | XXXX | XXXX | 35732646 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 02/26/2025 | 2 B |  | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063336 | XXXX | XXXX | XXXX | 35732649 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: 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. | Second Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of [redacted] |  |  |  | Reviewer Comment (2025-02-24): Sufficient Cure Provided At Closing |  | 02/24/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063336 | XXXX | XXXX | XXXX | 35732650 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of [redacted] |  |  |  | Reviewer Comment (2025-02-24): Sufficient Cure Provided At Closing |  | 02/24/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063336 | XXXX | XXXX | XXXX | 35732652 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 02/26/2025 | 2 B |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063339 | XXXX | XXXX | XXXX | 35732670 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: 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. | Second Appraisal Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-07): Sufficient Cure Provided At Closing |  | 04/07/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063340 | XXXX | XXXX | XXXX | 35732672 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/20/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063340 | XXXX | XXXX | XXXX | 35732673 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-03-24): Per Closing Disclosure, [redacted] Fee [redacted] and [redacted] Fee [redacted] is paid by borrower outside of closing same has been added in funds and associated invoices. Additional funds from borrower are not required for reserves. Exception is cleared.<br>Seller Comment (2025-03-21): [redacted]: Please note that the borrower was only required to bring [redacted] to closing as per the Closing Disclosure, and document [redacted] in reserves. Based on the assets provided and confirmed in Loan Summary, the borrower had sufficient funds for both. | 03/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063340 | XXXX | XXXX | XXXX | 35732676 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae [redacted] and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 03/20/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063340 | XXXX | XXXX | XXXX | 35732677 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to reserves shortage as per the guidelines. |  |  |  | Reviewer Comment (2025-03-28): Per Closing Disclosure, [redacted] Fee [redacted] and [redacted] Fee [redacted]is paid by borrower outside of closing same has been added in funds and associated invoices. Additional funds from borrower are not required for reserves. Exception is cleared.<br>Seller Comment (2025-03-25): [redacted]: All other conditions on this loan have been cleared, please confirm if anything additional is needed to clear the remaining ATR conditions. | 03/28/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063340 | XXXX | XXXX | XXXX | 35732678 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to reserves shortage as per the guidelines. |  |  |  | Reviewer Comment (2025-03-28): Per Closing Disclosure, [redacted] Fee [redacted] and [redacted] Fee [redacted] is paid by borrower outside of closing same has been added in funds and associated invoices. Additional funds from borrower are not required for reserves. Exception is cleared.<br>Seller Comment (2025-03-25): [redacted] XXXX: All other conditions on this loan have been cleared, please confirm if anything additional is needed to clear the remaining ATR conditions. | 03/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063341 | XXXX | XXXX | XXXX | 35732683 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood certificate is missing. |  |  |  | Reviewer Comment (2025-04-16): Flood Certificate associated and details updated. Exception is cleared.<br>Seller Comment (2025-04-16): [redacted] XXXX: please see attached | 04/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063342 | XXXX | XXXX | XXXX | 35732687 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted]Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees threshold exceeded by [redacted] |  |  |  |  |  |  | 03/20/2025 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063342 | XXXX | XXXX | XXXX | 35732690 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-03-25): [redacted] received comment and as per available rate lock.<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the[redacted]<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the [redacted]<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the [redacted]D<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the [redacted]CD<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the [redacted] CD | 03/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063342 | XXXX | XXXX | XXXX | 35732691 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid [redacted] for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-03-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-03-24): [redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [redacted] for the Credit Report fee<br>Seller Comment (2025-03-24): [redacted]: Please see attached Rate Lock sheet and corresponding disclosure, on [redacted] the underwriter determined the borrower was a non-permanent resident, and an LLPA of [redacted] was added, negative pricing disclosed on the [redacted] | 03/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063342 | XXXX | XXXX | XXXX | 35732692 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing |  | 03/25/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063344 | XXXX | XXXX | XXXX | 35732705 |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX -[redacted] Points and Fees | XXXXX [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | XXXXX Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 04/02/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063344 | XXXX | XXXX | XXXX | 35732708 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: 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. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-31): XXXXX |  | 03/31/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063346 | XXXX | XXXX | XXXX | 35732722 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/28/2025 | 2 B |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063347 | XXXX | XXXX | XXXX | 35732730 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Copy of Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-05-01): Received Pay history and credit supplement reflecting the monthly mortgage payment and same verified and updated as required. Exception cleared.<br>Seller Comment (2025-04-30): see attached<br>Reviewer Comment (2025-04-30): Provided revised [redacted] show increased in monthly mortgage payment [redacted] please provide supporting document matching the 1003 payments for REO [redacted]. Exception remains.<br>Seller Comment (2025-04-29): see attached<br>Reviewer Comment (2025-04-24): Provided revised [redacted] reflects monthly expenses[redacted] and per recent tax document monthly taxes reflects [redacted] [redacted] remaining is [redacted] updated as other payments. Please provide supporting document for other payment [redacted]. Exception remains.<br>Seller Comment (2025-04-23): see attached<br>Reviewer Comment (2025-04-17): Provided property history document shows land only however, final [redacted] reflects monthly mortgage P&I [redacted] and monthly expenses[redacted], for same the property tax in file shows monthly tax [redacted]. ([redacted] remaining expenses [redacted]Please provide supporting document to verify P&I [redacted] and expenses [redacted] or updated final [redacted]. Exception Remains.<br>Seller Comment (2025-04-17): address is land only - no HOI | 05/01/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063347 | XXXX | XXXX | XXXX | 35732731 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [redacted] , Copy Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-04-30): Received revised 1003 confirming the monthly expenses along with supporting document and same verified and associated as required. Exception cleared.<br>Seller Comment (2025-04-29): see attached<br>Reviewer Comment (2025-04-24): Provided revised 1003 reflects monthly expenses [redacted] and per recent tax document monthly taxes reflects [redacted] remaining is [redacted] updated as other payments. Please provide supporting document for other payment [redacted]<br>Seller Comment (2025-04-23): see attached<br>Reviewer Comment (2025-04-17): Provided property history document shows land only however, final 1003 reflects monthly expenses [redacted], for same the property tax in file shows monthly tax [redacted] remaining other monthly payments [redacted]. Please provide supporting document to verify other monthly payments of [redacted] . Exception Remains.<br>Seller Comment (2025-04-17): Vacant land only - no hoi | 04/30/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063347 | XXXX | XXXX | XXXX | 35732732 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification 1st appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/16/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063347 | XXXX | XXXX | XXXX | 35732733 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification 2nd appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/16/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063347 | XXXX | XXXX | XXXX | 35732735 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on [redacted] disclosed an inaccurate Total of Payments on [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on [redacted] dated [redacted]. The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | [redacted] provided on [redacted] disclosed an inaccurate Total of Payments on [redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on [redacted] dated[redacted]. The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold |  |  |  | Reviewer Comment (2025-05-05): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-05-02): see attached<br>Reviewer Comment (2025-04-18): [redacted] received Settlement Statement. However, the issue is that the Final CD disclosed a TOP that was underdisclosed by [redacted] and exceeded threshold tolerance. Title-Notary fee added post close which would be a typical fee that lender diligence would typically be aware would be charged. Cure with Corrected CD, LOE to borrower, copy o cure refund of [redacted] and proof of mailing.<br>Seller Comment (2025-04-17): see attached |  | 05/05/2025 |  | 2 C B |  | AZ | Primary | Purchase | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 225063347 | XXXX | XXXX | XXXX | 35732737 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-05): Sufficient Cure Provided At Closing |  | 05/05/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063348 | XXXX | XXXX | XXXX | 35732739 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 03/31/2025 | 2 B |  | KY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063348 | XXXX | XXXX | XXXX | 35732744 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Borrower has lived rent free for more than [redacted] months prior to the subject transaction. Lender approved exception in file. | Borrower has verified disposable income of at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-08): Client elects to waive. Comp factors: 0 credit delq in [redacted], [redacted] in residual income, SE [redacted]<br>Reviewer Comment (2025-04-03): Client to review.<br>Seller Comment (2025-04-01): [redacted]: Please see approved lender exception<br>Reviewer Comment (2025-03-31): Client to review. |  |  | 04/08/2025 | 2 C B |  | KY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063348 | XXXX | XXXX | XXXX | 35732745 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | CPA letter indicates the use of [redacted] will not impact the business, such only [redacted] of the available funds have been considered resulting in the borrower being short funds for reserves. |  |  |  | Reviewer Comment (2025-04-02): Received and associated corrected [redacted]. Sufficient funds available for closing/reserves. Exception is cleared.<br>Seller Comment (2025-04-01): [redacted]: [redacted] [redacted]s were uploaded to the file. The letter dated [redacted] doe state that only [redacted] will not negatively impact business, however an updated [redacted] was provided dated on [redacted] that the use of funds from the business will not negatively impact the business. The more recent document is sufficient documentation to use all business funds.<br>Seller Comment (2025-04-01): [redacted] : [redacted] [redacted]s were uploaded to the file. The letter dated [redacted] doe state that only [redacted] will not negatively impact business, however an updated [redacted] was provided dated on [redacted] that the use of funds from the business will not negatively impact the business. The more recent document is sufficient documentation to use all business funds. | 04/02/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063348 | XXXX | XXXX | XXXX | 35732746 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | CPA letter indicates the use of [redacted] will not impact the business, such only [redacted] of the available funds have been considered resulting in the borrower being short funds for closing. |  |  |  | Reviewer Comment (2025-04-03): Received corrected [redacted]. Sufficient funds available for closing/reserves. Exception cleared.<br>Seller Comment (2025-04-03): [redacted]: [redacted] [redacted]s were uploaded to the file. The letter dated [redacted] doe state that only [redacted] will not negatively impact business, however an updated [redacted] was provided dated on [redacted] that the use of funds from the business will not negatively impact the business. The more recent document is sufficient documentation to use all business funds. Water fall to other condition. | 04/03/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063348 | XXXX | XXXX | XXXX | 35732747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception triggered due to loan failing guidelines. |  |  |  | Reviewer Comment (2025-04-03): Received corrected [redacted]. Sufficient funds available for closing/reserves. Exception cleared.<br>Seller Comment (2025-04-03): [redacted]: [redacted] [redacted]s were uploaded to the file. The letter dated [redacted] doe state that only [redacted] will not negatively impact business, however an updated [redacted] was provided dated on [redacted] that the use of funds from the business will not negatively impact the business. The more recent document is sufficient documentation to use all business funds. Water fall to other condition. | 04/03/2025 |  |  | 1 B A C |  | KY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063348 | XXXX | XXXX | XXXX | 35732748 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception triggered due to loan failing guidelines. |  |  |  | Reviewer Comment (2025-04-03): Received corrected [redacted]. Sufficient funds available for closing/reserves. Exception cleared.<br>Seller Comment (2025-04-03): [redacted]: [redacted] [redacted]s were uploaded to the file. The letter dated [redacted] doe state that only [redacted] will not negatively impact business, however an updated [redacted] was provided dated on [redacted] that the use of funds from the business will not negatively impact the business. The more recent document is sufficient documentation to use all business funds. Water fall to other condition. | 04/03/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063349 | XXXX | XXXX | XXXX | 35732751 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 05/07/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063350 | XXXX | XXXX | XXXX | 35732753 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 04/23/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063351 | XXXX | XXXX | XXXX | 35732758 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]. | Fannie Mae Points and Fees threshold exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 04/21/2025 | 2 B |  | LA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063352 | XXXX | XXXX | XXXX | 35732765 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] | IL Predatory Lending Database Program [redacted] - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2025-04-30): Certificate of Compliance was provided. | 04/30/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063353 | XXXX | XXXX | XXXX | 35732768 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted]is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 04/22/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063353 | XXXX | XXXX | XXXX | 35732772 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: 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. | Second Appraisal Fee was not disclosed on LE but disclosed as [redacted] on [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-18): Sufficient Cure Provided At Closing |  | 04/18/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063354 | XXXX | XXXX | XXXX | 35732774 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted](an overage of [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by [redacted]. |  |  |  |  |  |  | 05/22/2025 | 2 B |  | AK | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063354 | XXXX | XXXX | XXXX | 35732777 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | Borrowers who have lived in a rent-free situation are ineligible. Per LOE in file borrower has been living rent free since [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-27): Client elects to waive. Comp factors: [redacted] reserves,[redacted], [redacted]<br>Reviewer Comment (2025-05-21): Client to review, lender approved exception in file. |  |  | 05/27/2025 | 2 C B |  | AK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063356 | XXXX | XXXX | XXXX | 35732787 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]. | Fannie Mae Points and Fees exceed allowable threshold by an average of [redacted] or [redacted]. |  |  |  |  |  |  | 05/15/2025 | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063359 | XXXX | XXXX | XXXX | 35732804 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-06): Receipt of [redacted] exception cleared, which cleared this exception.<br>Seller Comment (2025-06-05): Please see attached - Our Contract states that [redacted] will buy HPML as long as all the requirements were met as they were on this loan. Revised [redacted]s simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant.<br>Reviewer Comment (2025-05-22): This exception is present due to the open HPML Receipt of [redacted] exception. Even if there is no change in value, the [redacted] is still required to be provided to the borrower. Provide evidence that the [redacted] with a report date of [redacted]was provided to the borrower. Exception remains.<br>Seller Comment (2025-05-20): [redacted] The [redacted] was sent to the borrower on [redacted] and received on [redacted] with a value of [redacted]. The [redacted] on [redacted] did not change in value and also shows [redacted]. Our Contract states that [redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the [redacted] on [redacted]. Revised [redacted]s simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 06/06/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063359 | XXXX | XXXX | XXXX | 35732805 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The file was missing proof the appraisal was provided to the borrower(s) within [redacted] days of the application date. |  |  |  | Reviewer Comment (2025-06-06): Received full copy of Preliminary [redacted] and evidence of [redacted] received by borrower prior [redacted] business days of closing. Also, received evidence that revised [redacted] was sent to borrower. TILA/ECOA requirements are met. Exception is cleared.<br>Seller Comment (2025-06-05): Please see attached<br>Reviewer Comment (2025-05-30): Received preliminary [redacted] there was no change in the value. Please provide evidence that the final [redacted] was sent to the borrower within [redacted] days of consummation. Exception Remains.<br>Seller Comment (2025-05-30): [redacted] Please see attached initial [redacted] from [redacted] showing the Appraised amount as [redacted]<br>Reviewer Comment (2025-05-21): Most recent [redacted] report in file with report dated [redacted] is not sent to borrower prior [redacted]business days of closing [redacted]. Per [redacted] delivery in file, Initial preliminary [redacted] was sent to borrower on [redacted]. For further review, please provide a copy of the preliminary [redacted] so we can verify that there was no change in value. Exception Remains.<br>Seller Comment (2025-05-20): [redacted] The [redacted] was sent to the borrower on [redacted] and received on [redacted] with a value of [redacted]. The [redacted] on [redacted] did not change in value and also shows [redacted]. Our Contract states that [redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the [redacted] on [redacted]. Revised [redacted]s simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 06/06/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063359 | XXXX | XXXX | XXXX | 35732808 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided At Closing |  | 05/15/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063359 | XXXX | XXXX | XXXX | 35732809 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided At Closing |  | 05/15/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063359 | XXXX | XXXX | XXXX | 35732810 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/19/2025 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063359 | XXXX | XXXX | XXXX | 35732812 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-11): Proof of earlier receipt provided, exception cleared.<br>Seller Comment (2025-06-09): [redacted] Please see the attached TRID Disclosure History and [redacted] Package that shows the borrower was sent the [redacted] Package on [redacted] and consented to it on [redacted]. This meets the [redacted] business day cool off before the closing date of [redacted] | 06/11/2025 |  |  | 1 A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063360 | XXXX | XXXX | XXXX | 35732815 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by an average of [redacted] or [redacted]. |  |  |  |  |  |  | 04/17/2025 | 2 B |  | WY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063361 | XXXX | XXXX | XXXX | 35732823 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary/Commitment title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/29/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063362 | XXXX | XXXX | XXXX | 35732827 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted][redacted] - No evidence of required counseling disclosure language per [redacted][redacted]. | There is no evidence of [redacted] Counseling Disclosure in the file. |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive. |  |  | 05/22/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063362 | XXXX | XXXX | XXXX | 35732828 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive. |  |  | 05/22/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063362 | XXXX | XXXX | XXXX | 35732829 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive. |  |  | 05/22/2025 | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732833 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File does not have [redacted] month bank statement available in file. |  |  |  | Reviewer Comment (2025-05-23): Received missing [redacted] for [redacted] verified and associated as required. Exception cleared.<br>Seller Comment (2025-05-22): [redacted]: attached | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732834 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File does not have [redacted]month bank statement available in file. |  |  |  | Reviewer Comment (2025-05-23): Received missing [redacted] for [redacted][redacted]verified and associated as required. Exception cleared.<br>Seller Comment (2025-05-22): [redacted] tm: attached | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732835 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File does not have [redacted] month bank statement available in file. |  |  |  | Reviewer Comment (2025-05-23): Received missing [redacted] for [redacted][redacted]verified and associated as required. Exception cleared.<br>Seller Comment (2025-05-22): [redacted] tm: attached | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732836 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File does not have [redacted] month bank statement available in file. |  |  |  | Reviewer Comment (2025-05-23): Received missing [redacted] for [redacted][redacted] and verified and associated as required. Exception cleared.<br>Seller Comment (2025-05-22): [redacted] tm: attached | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732837 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File does not have [redacted],[redacted] and [redacted] and [redacted][redacted] bank statement document available in file. |  |  |  | Reviewer Comment (2025-05-23): Received missing [redacted] for [redacted], [redacted]and [redacted] [redacted]and [redacted][redacted]and verified and associated as required. Exception cleared.<br>Seller Comment (2025-05-22): [redacted] tm: attached | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732841 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. 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 [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-22): [redacted] received valid rate lock document.<br>Seller Comment (2025-05-21): XXXX [redacted] Assets and liabilities were updated by underwriting on [redacted] which Increased the DTI to [redacted] from [redacted] [redacted] which adjusted the loan level pricing adjusters. A Closing Disclosure went out to the borrower. Please see the attached Lock Confirmation and Closing Disclosure.<br>Seller Comment (2025-05-21): XXXX [redacted] Assets and liabilities were updated by underwriting on [redacted] which Increased the DTI to [redacted] from [redacted] ([redacted]) which adjusted the loan level pricing adjusters. A Closing Disclosure went out to the borrower. Please see the attached Lock Confirmation and Closing Disclosure. | 05/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225063363 | XXXX | XXXX | XXXX | 35732842 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee was last disclosed as [redacted] on [redacted]. 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 [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-22): Sufficient cure provided at closing<br>Seller Comment (2025-05-21): TF [redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the [redacted] Fee [redacted]. | 05/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225063363 | XXXX | XXXX | XXXX | 35732843 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Guides state the Borrower's previous housing payment history is required. The file must contain verification of the Borrower's [redacted]-month payment history on the primary residence. File contains [redacted] months of proof; borrower resided at prior residence for more than [redacted] year. |  |  |  | Reviewer Comment (2025-05-27): Reached evidence [redacted] months paid at once. Exceptions cleared.<br>Seller Comment (2025-05-22): [redacted] tm: The borrower paid the full year's rent all at once for the older lease that was provided. [redacted] months of rent at[redacted]+ [redacted] security deposit + [redacted]pet fee = [redacted] paid on [redacted]<br>Seller Comment (2025-05-22): [redacted] tm: The borrower paid the full year's rent all at once for the older lease that was provided. [redacted] months of rent at [redacted] + [redacted] security deposit + [redacted] pet fee = [redacted] paid on [redacted] | 05/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063363 | XXXX | XXXX | XXXX | 35732844 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063364 | XXXX | XXXX | XXXX | 35732849 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] |  |  |  |  |  |  | 05/27/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063364 | XXXX | XXXX | XXXX | 35732852 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File is missing evidence of receipt of the Gift Funds |  |  |  | Reviewer Comment (2025-05-28): Received wire confirmation document along with gift letter for borrower's gift funds. verified and updated the details, available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-05-28): [redacted] MM: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title. | 05/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063364 | XXXX | XXXX | XXXX | 35732853 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing evidence of receipt of the Gift Funds |  |  |  | Reviewer Comment (2025-05-28): Received wire confirmation document along with gift letter for borrower's gift funds. verified and updated the details, available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-05-28): [redacted] MM: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title. | 05/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063364 | XXXX | XXXX | XXXX | 35732854 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | File is missing evidence of receipt of the Gift Funds |  |  |  | Reviewer Comment (2025-05-30): Received wire confirmation document along with gift letter for borrower's gift funds. Exception Cleared.<br>Seller Comment (2025-05-29): [redacted] XXXX: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title.<br>Seller Comment (2025-05-28): [redacted] XXXX: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title. | 05/30/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063364 | XXXX | XXXX | XXXX | 35732855 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing evidence of receipt of the Gift Funds |  |  |  | Reviewer Comment (2025-05-30): Received wire confirmation document along with gift letter for borrower's gift funds. Exception Cleared.<br>Seller Comment (2025-05-29): [redacted] MM: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title.<br>Seller Comment (2025-05-28): [redacted] MM: The guidelines say that a copy of the cashier's check or wire directly to the settlement agent. If the gift amount is exceeded, provide an updated, fully executed gift letter. Please see attached copy of the wire sent to title. | 05/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063365 | XXXX | XXXX | XXXX | 35732863 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | Second Appraisal Fee was not disclosed on Loan Estimate however disclosed as [redacted] in final CD, Difference of [redacted] and File does not contain a valid COC for this fee, Evidence of cure provided of [redacted] |  |  |  | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |  | 05/20/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063365 | XXXX | XXXX | XXXX | 35732866 |  | 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 [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-05): Client elects to waive. Comp factors: [redacted] FICO, [redacted]yrs, [redacted] in residual income<br>Reviewer Comment (2025-06-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Seller Comment (2025-06-04): [redacted] XXXX: While we agree the file is short the necessary funds for reserves, we still believe the loan is of investment quality. Positive factors include the borrower [redacted] FICO, [redacted] DTI, [redacted] in residual income a month, and [redacted] mortgage lates on their current mortgage which they've had since [redacted]. They also have [redacted] of the [redacted]months of reserves required documented.<br>Reviewer Comment (2025-05-27): As per [redacted] verified assets are [redacted] and same has been considered for qualification, However As Per [redacted] guidelines loan amount[redacted]-[redacted], we require [redacted] months of PITIA reserves ([redacted]) required, As available for reserves is [redacted]. Please provide additional assets to meet the guidelines requirements. Exception Remains.<br>Seller Comment (2025-05-27): [redacted] XXXX: [redacted] of the [redacted] account should be eligible to be used for reserves, not [redacted]. Per page [redacted] of [redacted] guideline, "The full value of any non-retirement liquid asset the Borrower has available for withdrawal from any financial institution or brokerage, including funds on deposit in the Borrower's checking, savings, money market or certificate of deposit account or other depository account, stocks, bonds, mutual funds, U.S.;" |  |  | 06/05/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063365 | XXXX | XXXX | XXXX | 35732867 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-05): [redacted]waived reserve requirement. Exception cleared.<br>Seller Comment (2025-06-04): [redacted] CW: While we agree the file is short the necessary funds for reserves, we still believe the loan is of investment quality. Positive factors include the borrower [redacted]FICO, [redacted] DTI, [redacted] in residual income a month, and [redacted] mortgage lates on their current mortgage which they've had since [redacted]. They also have [redacted]of the [redacted]months of reserves required documented.<br>Reviewer Comment (2025-05-27): The [redacted] account is already being counted at [redacted]. Exception remains.<br>Seller Comment (2025-05-27): [redacted] CW: [redacted] of the [redacted] account should be eligible to be used for reserves, not [redacted]. Per page [redacted] of [redacted] guideline, "The full value of any non-retirement liquid asset the Borrower has available for withdrawal from any financial institution or brokerage, including funds on deposit in the Borrower's checking, savings, m[redacted]y market or certificate of deposit account or other depository account, stocks, bonds, mutual funds, U.S.;" | 06/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063365 | XXXX | XXXX | XXXX | 35732868 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-05): [redacted]waived reserve requirement. Exception cleared.<br>Seller Comment (2025-06-04): [redacted] CW: While we agree the file is short the necessary funds for reserves, we still believe the loan is of investment quality. Positive factors include the borrower [redacted] FICO, [redacted] DTI, [redacted]in residual income a month, and [redacted] mortgage lates on their current mortgage which they've had since [redacted]. They also have [redacted] of the [redacted] months of reserves required documented.<br>Reviewer Comment (2025-05-27): The [redacted] account is already being counted at [redacted]. Exception remains.<br>Seller Comment (2025-05-27): [redacted]XXXX: [redacted] of the [redacted] account should be eligible to be used for reserves, not [redacted]. Per page [redacted]of [redacted] guideline, "The full value of any non-retirement liquid asset the Borrower has available for withdrawal from any financial institution or brokerage, including funds on deposit in the Borrower's checking, savings, money market or certificate of deposit account or other depository account, stocks, bonds, mutual funds, U.S.;" | 06/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063366 | XXXX | XXXX | XXXX | 35732877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Amount Financed Test | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on [redacted] dated [redacted]). | The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted]. The lender provided an Itemization of the Amount financed or a compliance report that we could compare |  |  |  | Reviewer Comment (2025-06-05): Upon further review the Amount Financed was correctly disclosed to consumer | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 225063366 | XXXX | XXXX | XXXX | 35732878 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Finance Charge | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on [redacted] dated [redacted]). | The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted]. The lender provided an Itemization of the Amount financed or a compliance report that we could compare |  |  |  | Reviewer Comment (2025-06-05): Upon further review finance charge was correctly disclosed to consumer | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 225063366 | XXXX | XXXX | XXXX | 35732879 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2025-06-05): Client elects to waive. |  |  | 06/05/2025 | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063366 | XXXX | XXXX | XXXX | 35732881 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated months reserves of [redacted] is less than Guideline months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-06-05): Received [redacted] for evidence of access to business funds, available funds are sufficient for PITIA Reserves. Exception Cleared.<br>Seller Comment (2025-06-04): [redacted] Please include business funds as [redacted] was uploaded. | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063366 | XXXX | XXXX | XXXX | 35732882 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file is missing a copy of CPA letter stating access to funds will not have negative impact on the business |  |  |  | Reviewer Comment (2025-06-05): Received [redacted] for evidence of access to business funds, available funds are sufficient for PITIA Reserves. Exception Cleared. | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063366 | XXXX | XXXX | XXXX | 35732883 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file is missing a copy of CPA letter stating access to funds will not have negative impact on the business |  |  |  | Reviewer Comment (2025-06-05): Received [redacted] for evidence of access to business funds, available funds are sufficient for PITIA Reserves. Exception Cleared. | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063366 | XXXX | XXXX | XXXX | 35732884 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-05): Upon further review finance charge was correctly disclosed to consumer<br>Seller Comment (2025-06-04): [redacted] [redacted]condition. Please clear | 06/05/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063366 | XXXX | XXXX | XXXX | 35732885 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk |  |  |  | Reviewer Comment (2025-06-05): Upon further review finance charge was correctly disclosed to consumer<br>Seller Comment (2025-06-04): [redacted] [redacted] condition. Please clear | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063367 | XXXX | XXXX | XXXX | 35732889 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted][redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted]. |  |  |  |  |  |  | 05/01/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063367 | XXXX | XXXX | XXXX | 35732892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063368 | XXXX | XXXX | XXXX | 35732897 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted][redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of[redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted]. |  |  |  |  |  |  | 04/30/2025 | 2 B |  | TN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063368 | XXXX | XXXX | XXXX | 35732900 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. |  |  |  |  | Reviewer Comment (2025-04-25): Sufficient Cure Provided At Closing |  | 04/25/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063368 | XXXX | XXXX | XXXX | 35732901 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-25): Sufficient Cure Provided At Closing |  | 04/25/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063368 | XXXX | XXXX | XXXX | 35732902 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/30/2025 | 2 B |  | TN | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063370 | XXXX | XXXX | XXXX | 35732912 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | [redacted] 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. |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225063372 | XXXX | XXXX | XXXX | 35732918 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] . |  |  |  |  |  |  | 05/12/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063372 | XXXX | XXXX | XXXX | 35732921 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Second Appraisal Fee was not disclosed on Loan Estimate however mentioned as [redacted] in final CD and File does not contain a valid COC for this fee, Evidence of cure provided of [redacted] |  |  |  | Reviewer Comment (2025-05-08): Sufficient Cure Provided At Closing |  | 05/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063372 | XXXX | XXXX | XXXX | 35732922 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed as [redacted] Loan Estimate however mentioned as [redacted] in final CD and File does not contain a valid COC for this fee, Evidence of cure provided of [redacted] |  |  |  | Reviewer Comment (2025-05-08): Sufficient Cure Provided At Closing |  | 05/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063373 | XXXX | XXXX | XXXX | 35732924 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae 2014 [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] |  |  |  |  |  |  | 05/14/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063373 | XXXX | XXXX | XXXX | 35732927 |  | 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 ___. | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted] | Borrower has verified disposable income of at least [redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-20): Client elects to waive. Comp factors: [redacted] FICO, [redacted] yr clean VOR, [redacted]yrs<br>Seller Comment (2025-05-15): [redacted] - XXXX: [redacted] recognizes that the assets held in [redacted] [redacted] were understated. However, the borrower is only short on reserves by [redacted], and we are requesting an exception to accept the file as is based on the following positive factors: <br>1. DTI = [redacted] <br> 2. FICO = [redacted]<br> 3. Purchase of Primary Residence <br> 4. No Derogatory events reflecting on credit. <br>1. Purchase of a Primary Residence |  |  | 05/20/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063373 | XXXX | XXXX | XXXX | 35732928 |  | 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. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-20): [redacted] waived reserve requirement. Exception cleared. | 05/20/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063373 | XXXX | XXXX | XXXX | 35732929 |  | 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. | ATR failure due to Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted] |  |  |  | Reviewer Comment (2025-05-20): [redacted] waived reserve requirement. Exception cleared. | 05/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063374 | XXXX | XXXX | XXXX | 35732937 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approving Borrower living rent free for a period longer than [redacted] Months in the past [redacted] Months. Compensating factors are [redacted] of [redacted] , Residual income of [redacted] and additional [redacted] | Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Client elects to waive. Comp factors: [redacted] FICO, [redacted]mo reserves, [redacted] in residual income<br>Reviewer Comment (2025-05-30): Client to review. |  |  | 06/03/2025 | 2 C B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063376 | XXXX | XXXX | XXXX | 35732948 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or . [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or . [redacted] |  |  |  |  |  |  | 06/10/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063376 | XXXX | XXXX | XXXX | 35732951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Point was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. 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 [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): [redacted] received [redacted] dated [redacted].<br>Seller Comment (2025-06-12): [redacted] [redacted] was provided at the time of initial file upload - another copy attached<br>Reviewer Comment (2025-06-12): [redacted] received [redacted] dated [redacted] however the fee increased on CD dated [redacted] for [redacted]. Kindly provide a valid [redacted] for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-06-11): [redacted] [redacted] was included w/ initial document upload | 06/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063376 | XXXX | XXXX | XXXX | 35732952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. 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 [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-11): [redacted] Please refer to the final CD section J cure provided at closing and acknowledged by the borrower | 06/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063376 | XXXX | XXXX | XXXX | 35732953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063377 | XXXX | XXXX | XXXX | 35732957 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] . |  |  |  |  |  |  | 05/27/2025 | 2 B |  | LA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063377 | XXXX | XXXX | XXXX | 35732959 |  | Credit | Income / Employment | Income Documentation | Income / Employment | [redacted] is not within [redacted] business days of the Note. |  | This file was missing a copy of [redacted] . Per guidelines, [redacted] completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-06-03): Received and associated VVOE within [redacted] business days of the Note date. Exception is cleared.<br>Seller Comment (2025-06-02): see attached<br>Reviewer Comment (2025-05-30): Post closed note dated VVOE received for borrower employement XXXX . Provide Verbal Verification of Employment VVOE completed within [redacted]business days of closing ([redacted]). Exception Remains.<br>Seller Comment (2025-05-30): see attached | 06/03/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063378 | XXXX | XXXX | XXXX | 35732963 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or . [redacted] . |  |  |  |  |  |  | 05/28/2025 | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063378 | XXXX | XXXX | XXXX | 35732966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted] : [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. 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 [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-29): XXXX [redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [redacted]for the [redacted] fee and [redacted]for the Transfer Taxes<br>Seller Comment (2025-05-29): XXXX [redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [redacted] for the [redacted] fee and [redacted]for the Transfer Taxes | 05/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063378 | XXXX | XXXX | XXXX | 35732967 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. 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 [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-30): [redacted] received rounded off document.<br>Seller Comment (2025-05-29): CT [redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [redacted] for the [redacted] fee and [redacted] | 05/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063378 | XXXX | XXXX | XXXX | 35732969 |  | Credit | Title | Document Error | Title | [redacted] policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final[redacted] in file). Unable to determine if appropriate coverage is provided. |  | [redacted] in file did not disclose the amount of title insurance coverage. Provide a copy of the [redacted] verifying [redacted]of at least the loan amount. |  |  |  |  |  |  | 05/28/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063378 | XXXX | XXXX | XXXX | 35732970 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | 05/30/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063378 | XXXX | XXXX | XXXX | 35732971 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | 05/30/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063379 | XXXX | XXXX | XXXX | 35732972 |  | 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 ([redacted]) business days prior to consummation. | Verification for Secondary [redacted] was delivered to borrower was not provided. |  |  |  |  |  |  | 05/29/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063379 | XXXX | XXXX | XXXX | 35732973 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or [redacted] APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or [redacted] APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-12): E-disclosure provided verifies the date the secondary valuation was provided to and received by the borrower.<br>Seller Comment (2025-06-10): Per Branch not sure what they need to provide regarding the conditions | 06/12/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063379 | XXXX | XXXX | XXXX | 35732974 |  | 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 ([redacted]) business days prior to consummation. | Verification for secondary appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-06-12): E-disclosure provided verifies the date the secondary valuation was provided to and received by the borrower.<br>Reviewer Comment (2025-06-02): Secondary [redacted] in file reflects report date as [redacted] and received evidence [redacted] was sent to the borrower on [redacted]. Please provide document confirmation from Borrower, that borrower received [redacted] report prior to [redacted] business days of closing ([redacted]). Per TILA/ECOA requirements [redacted] needs to be received by borrower prior to [redacted] business days of closing. Exception Remains.<br>Seller Comment (2025-06-02): applicant [redacted] business days | 06/12/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063379 | XXXX | XXXX | XXXX | 35732975 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted]. |  |  |  |  |  |  | 05/29/2025 | 2 B |  | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063379 | XXXX | XXXX | XXXX | 35732977 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Borrower not provided Right Not To Close Disclosure at Closing. |  |  |  | Reviewer Comment (2025-06-05): Client elects to waive.<br>Seller Comment (2025-06-03): what is this form where can it be found |  |  | 06/05/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063379 | XXXX | XXXX | XXXX | 35732979 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing [redacted] |  | The file was missing a copy of the [redacted] |  |  |  | Reviewer Comment (2025-06-02): Received final 1003 for subject loan, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-06-02): Final 1003 | 06/02/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063380 | XXXX | XXXX | XXXX | 35732982 |  | Credit | Title | General | Title | [redacted] Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | [redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the [redacted] or an [redacted] verifying [redacted] of at least the loan amount. |  |  |  |  |  |  | 06/02/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063380 | XXXX | XXXX | XXXX | 35732984 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or .[redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted]. |  |  |  |  |  |  | 06/02/2025 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063380 | XXXX | XXXX | XXXX | 35732986 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA [redacted] - Loan Calculations: [redacted] provided on [redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on [redacted] dated [redacted]). The disclosed Total of Payments in the amount of[redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | [redacted] provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on [redacted] dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. |  |  |  | Reviewer Comment (2025-06-16): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-06-16): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 06/16/2025 |  | 2 C B |  | GA | Primary | Purchase | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 225063382 | XXXX | XXXX | XXXX | 35733001 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted] Points and Fees | Fannie Mae [redacted]Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 06/05/2025 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063383 | XXXX | XXXX | XXXX | 35733008 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was last disclosed as[redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid [redacted]for this fee, nor evidence of cure in file. Provide a[redacted] disclosing the tolerance cure to include [redacted], a copy of refund [redacted], proof of [redacted], and a copy of the[redacted] |  |  |  | Reviewer Comment (2025-06-19): [redacted]<br>Seller Comment (2025-06-18): [redacted] [redacted], [redacted]copy of the check and [redacted] tracking uploaded<br>Reviewer Comment (2025-06-18): [redacted] received rebuttal which confirms the investor required the [redacted] review as per the previous comment we are unable to confirm the previous and current investor from rate lock. Please provide additional information to support the investor switch that resulted in addition of fee in question or cure would be due to borrower.<br>Seller Comment (2025-06-16): [redacted] This investor does require CDA for this loan program regardless of the SSR scores<br>Reviewer Comment (2025-06-16): [redacted] received rebuttal comment. However, provided [redacted] indicates CU score is less than [redacted] and there seems to be no valid reason provided in the loan file for the CDA fee was added. Please provide documentation of the reason for the fee added and What information was received that required the added the fee and when was that information received or Cure is required.<br>Seller Comment (2025-06-13): [redacted] to clarify you may refer to prev [redacted] : Loan was not targeted to [redacted] until [redacted] - they require a CDA regardless of SSR scores,<br>Reviewer Comment (2025-06-12): [redacted]received rebuttal but, [redacted]is received on [redacted] and [redacted] SSR is also dated [redacted] which shows the low score below [redacted]. Please provide additional information to validate the change or cure is required.<br>Seller Comment (2025-06-11): [redacted] [redacted] review reflected higher SSRs necessitating a CDA [redacted] issued [redacted] and CDA was ordered on [redacted] (invoice attached) |  | 06/19/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063383 | XXXX | XXXX | XXXX | 35733009 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on [redacted]. File does contain proof of cure on the amount of $[redacted] |  |  |  | Reviewer Comment (2025-06-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on [redacted]) resulting in a cleared exception.<br>Seller Comment (2025-06-05): [redacted] Please refer to [redacted] section J reflecting the cure at the time of closing & acknowledged by borrower | 06/06/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063383 | XXXX | XXXX | XXXX | 35733011 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Savings account reflects a large unsourced deposit of [redacted] that was not included in available funds. |  |  |  | Reviewer Comment (2025-06-11): Provided borrower business check of [redacted] which is split into two accounts [redacted] was deposited into #[redacted]. Exception Cleared.<br>Reviewer Comment (2025-06-06): Provided [redacted] is already in file. Please provide source of the [redacted]. Exception remains.<br>Seller Comment (2025-06-05): [redacted] SOF DOCUMENTATION PROVIDED W/ INITIAL UPLOAD | 06/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063383 | XXXX | XXXX | XXXX | 35733012 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Savings account reflects a large unsourced deposit of [redacted] that was not included in available funds. |  |  |  | Reviewer Comment (2025-06-11): Provided borrower business check of[redacted] which is split into two accounts [redacted] was deposited into #[redacted]. Exception Cleared.<br>Seller Comment (2025-06-10): [redacted] Borrower split a check of [redacted] between two accounts<br> [redacted]was deposited to account [redacted] and [redacted] to [redacted]<br> Check and [redacted] attached - previously provided<br>Reviewer Comment (2025-06-06): Provided [redacted] is already in file. Please provide source of the [redacted]. Exception remains. | 06/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063383 | XXXX | XXXX | XXXX | 35733013 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-16): Provided borrower business check of [redacted] which is split into two accounts [redacted] was deposited into #[redacted]. Exception Cleared<br>Seller Comment (2025-06-13): [redacted] loan is non qm w/ passing [redacted] | 06/16/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063383 | XXXX | XXXX | XXXX | 35733014 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-16): Provided borrower business check of [redacted]which is split into two accounts [redacted]was deposited into #[redacted]. Exception Cleared<br>Seller Comment (2025-06-13): [redacted] We are well below [redacted]dti<br>Seller Comment (2025-06-13): [redacted] Loan is NON QM with a passing [redacted] | 06/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063384 | XXXX | XXXX | XXXX | 35733019 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] |  | [redacted] will not negatively impact the business was not provided for [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-17): Client elects to waive. Comp factors:<br> [redacted]FICO, homeowner for [redacted], [redacted]mortgage lates<br>Buyer Comment (2025-06-10): [redacted] to review |  |  | 06/17/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063384 | XXXX | XXXX | XXXX | 35733020 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] |  | [redacted] will not negatively impact the business was not provided for [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-17): Client elects to waive. Comp factors:<br> [redacted] FICO, homeowner for [redacted], [redacted]mortgage lates<br>Buyer Comment (2025-06-10): [redacted] to review |  |  | 06/17/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063384 | XXXX | XXXX | XXXX | 35733021 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guides state funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's [redacted] provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis) may be used for down payment and reserves. [redacted] in file does not address the use of business funds and no cash flow analysis was in file therefore business funds were not included by review. It is also noted the[redacted] account reflects two large unsourced or explained deposits ([redacted] that were not included as a resullt. |  |  |  | Reviewer Comment (2025-06-17): [redacted] waived exception for missing [redacted]. Exception cleared.<br>Buyer Comment (2025-06-10): [redacted] to review<br>Reviewer Comment (2025-06-05): Please provide evidence of access to funds for funds from business account #[redacted], #[redacted]. As per [redacted] Non-QM Guidelines [redacted], Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis) may be used for down payment and reserves. Exception Remains.<br>Seller Comment (2025-06-05): [redacted] Hi, just so I understand; you need source of Deposits from the Gift Donor? This acct belongs to the Gift Donor | 06/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063384 | XXXX | XXXX | XXXX | 35733022 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-17): [redacted] waived exception for missing [redacted]. Exception cleared.<br>Buyer Comment (2025-06-10): [redacted] to review | 06/17/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063384 | XXXX | XXXX | XXXX | 35733023 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-17): [redacted] waived exception for missing [redacted]. Exception cleared.<br>Buyer Comment (2025-06-10): [redacted] to review | 06/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063385 | XXXX | XXXX | XXXX | 35733028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Second Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on [redacted]. File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063385 | XXXX | XXXX | XXXX | 35733030 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The [redacted]in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a [redacted]or an [redacted] verifying [redacted] of at least the loan amount. |  |  |  |  |  |  | 06/06/2025 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063386 | XXXX | XXXX | XXXX | 35733034 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae 2014 [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of $[redacted] | Fannie Mae Points and Fees exceed allowable threshold by $[redacted] or [redacted]%. |  |  |  |  |  |  | 06/03/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063386 | XXXX | XXXX | XXXX | 35733037 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | 05/30/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063386 | XXXX | XXXX | XXXX | 35733038 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. | Second Appraisal Fee was last disclosed as [redacted] on [redacted] but disclosed as [redacted] on [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | 05/30/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063386 | XXXX | XXXX | XXXX | 35733040 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of[redacted] coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the [redacted] verifying [redacted]of at least the loan amount. |  |  |  |  |  |  | 06/03/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063387 | XXXX | XXXX | XXXX | 35733042 |  | 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 [redacted] to applicant [redacted] business days prior to consummation. | Verification [redacted]was delivered to borrower was not provided. |  |  |  |  |  |  | 06/09/2025 | 2 B |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063387 | XXXX | XXXX | XXXX | 35733043 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or [redacted] APR of[redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-18): [redacted] received Letter of Explanation, Pay history and Corrected CD.<br>Seller Comment (2025-06-11): [redacted] The loan is credit-qualified and escrowed. Hence, we are fine to proceed with loan as HPML. | 06/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063387 | XXXX | XXXX | XXXX | 35733044 |  | 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. | Creditor did not provide a copy of each [redacted]to applicant three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-11): Received evidence of document that [redacted] sent to borrower on [redacted]. Exception Cleared. | 06/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063387 | XXXX | XXXX | XXXX | 35733048 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on[redacted]) resulting in a cleared exception.<br>Seller Comment (2025-06-10): [redacted] [redacted] shows cure of [redacted]please provide us more clarification. | 06/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063387 | XXXX | XXXX | XXXX | 35733049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Title - Wire /Funding/ Disbursement 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 [redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-18): [redacted] received [redacted] |  | 06/18/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063387 | XXXX | XXXX | XXXX | 35733051 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The[redacted] 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. |  |  |  |  |  |  | 06/09/2025 | 2 B |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063387 | XXXX | XXXX | XXXX | 35733052 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-16): Received CDA verified and updated the details. Exception Cleared. | 06/16/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063388 | XXXX | XXXX | XXXX | 35733056 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/06/2025 | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063388 | XXXX | XXXX | XXXX | 35733058 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted]Points and Fees | Fannie Mae [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted]of the Federal Total Loan Amount. Points and Fees total [redacted]on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of[redacted] (an overage of [redacted] or .[redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or .[redacted] |  |  |  |  |  |  | 06/06/2025 | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063388 | XXXX | XXXX | XXXX | 35733062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063388 | XXXX | XXXX | XXXX | 35733063 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] 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. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063389 | XXXX | XXXX | XXXX | 35733067 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] +[redacted], or[redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] +[redacted], or[redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-12): E-disclosure provided verifies the date the [redacted] and secondary were provided and received by the borrower. | 06/12/2025 |  |  | 1 C A |  | SD | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063389 | XXXX | XXXX | XXXX | 35733068 |  | 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 [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-06-12): E-disclosure provided verifies the date the [redacted] and secondary were provided and received by the borrower.<br>Reviewer Comment (2025-06-10): Received evidence [redacted] was sent to the borrower on[redacted], and final [redacted] report is dated [redacted]. Please provide copy of preliminary [redacted] so that we may verify if there was a change in value and also provide evidence that the final [redacted] was also sent to the borrower within [redacted] days of consummation. Exception Remains. | 06/12/2025 |  |  | 1 C A |  | SD | Primary | Purchase | C A | Non QM | Non QM | No |
| 225063390 | XXXX | XXXX | XXXX | 35733074 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted][redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted]on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] |  |  |  |  |  |  | 06/09/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063390 | XXXX | XXXX | XXXX | 35733078 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The[redacted] in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/09/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 225063391 | XXXX | XXXX | XXXX | 35733081 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted] of the amount past due or grace period of less than [redacted] | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of[redacted] of amount past due and/or grace period of[redacted] |  |  |  | Reviewer Comment (2025-06-24): Received undiscounted rate/price. Exception cleared.<br>Seller Comment (2025-06-19): [redacted]: Please see the attached Par Rate, The price of the undiscounted rate is [redacted], there is no charge for undiscounted (also known as PAR) rate. | 06/24/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063391 | XXXX | XXXX | XXXX | 35733082 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of[redacted] (an overage of [redacted] or .[redacted]). Non-Compliant High Cost Loan. | Total fees financed by lender is[redacted]. Threshold maximum is [redacted] |  |  |  | Reviewer Comment (2025-06-24): Received undiscounted rate/price. Exception cleared.<br>Seller Comment (2025-06-19): [redacted]: Please see the attached Par Rate, The price of the undiscounted rate is [redacted], there is no charge for undiscounted (also known as PAR) rate. | 06/24/2025 |  |  | 1 C A |  | MI | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 225063391 | XXXX | XXXX | XXXX | 35733083 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. |  |  |  | Reviewer Comment (2025-06-24): Received undiscounted rate/price. Exception cleared.<br>Seller Comment (2025-06-19): [redacted]: Please see the attached Par Rate, The price of the undiscounted rate is [redacted], there is no charge for undiscounted (also known as PAR) rate. | 06/24/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063391 | XXXX | XXXX | XXXX | 35733084 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of[redacted](an overage of [redacted] or [redacted] | Fannie Mae Points and Fees exceed allowable threshold by [redacted] or [redacted] |  |  |  |  |  |  | 06/18/2025 | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 225063391 | XXXX | XXXX | XXXX | 35733089 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]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. | Second Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on [redacted]. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063392 | XXXX | XXXX | XXXX | 35733094 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted]or [redacted]). | [redacted]Points and fees test excess of the [redacted] overage. |  |  |  | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B |  | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 225063392 | XXXX | XXXX | XXXX | 35733095 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Rate Spread Threshold Test Compliant | [redacted] Rate Spread Home Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR [redacted] +[redacted], or[redacted] Compliant Rate Spread Home Loan. | [redacted] rate spread home loan excess of allowable threshold of APOR [redacted]% |  |  |  | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B |  | 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. | Non QM | Non QM | No |
| 225063394 | XXXX | XXXX | XXXX | 35733105 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2023-08-02): Desk review provided. | 08/02/2023 |  |  | 1 D A |  | MI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063394 | XXXX | XXXX | XXXX | 35733106 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of [redacted]is less than Guideline Available for Reserves of [redacted]. Lender used [redacted]% of retirement account for reserves , however per guidelines up to [redacted] of the vested amount, less any outstanding loans secured by the account funds, XXXXX be counted toward Reserves. | Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted] | [redacted] yrs SE<br>[redacted] in residual income | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2023-09-27): Client elects to waive. comp factors: [redacted] FICO, [redacted] SE & [redacted] in residual income. |  |  | 09/27/2023 | 2 C B |  | MI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063394 | XXXX | XXXX | XXXX | 35733107 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX - No [redacted]Sheets - [redacted] |  |  |  | Reviewer Comment (2023-08-02): Desk review provided.<br>Reviewer Comment (2023-08-02): Valuation Received - XX/XX/XX | 08/02/2023 |  |  | 1 A |  | MI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733108 |  | 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 [redacted] of the loan application date. | Application date xx/xx/xxxx, earliest LE in file dated xx/xx/xxxx. |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence of when [redacted] was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733109 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2017-09-08): Received | 09/08/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733110 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR [redacted] + [redacted] or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2017-08-31): Compliance testing conducted following exception clearing changed loan from non-compliant HPML to compliant HPML. New exception opened for compliant HPML. | 08/31/2017 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733111 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Servicing Disclosure Timing | File does not evidence the consumer was provided with the Servicing Disclosure within [redacted] of the loan application date. | Application date xx/xx/xxxx, earliest LE in file dated xx/xx/xxxx. |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733112 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733113 |  | 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 [redacted] days of the loan application date. |  |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence of when [redacted] was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733114 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. (Initial/xx/xx/xxxx) |  |  |  |  | Reviewer Comment (2017-09-08): Received proof of electronic delivery | 09/08/2017 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA [redacted]: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. (Initial/xx/xx/xxxx) | Application date xx/xx/xxxx, earliest LE in file dated xx/xx/xxxx. |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733116 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA [redacted]: Borrower not provided with list of service providers. | If XXXXis not listed as a provider [redacted] or [redacted]tolerance issues may apply. |  |  |  | Reviewer Comment (2017-08-31): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. | 08/31/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733117 |  | 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. |  |  |  |  | Reviewer Comment (2017-09-08): Received early disclosure<br>Reviewer Comment (2017-08-31): Received additional copy of disclosure provided at closing. Disclosure was not provided timely per regulation ([redacted])) | 09/08/2017 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733119 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing GAP Credit Report |  |  |  | Reviewer Comment (2017-09-08): Received | 09/08/2017 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733120 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR [redacted] + [redacted], or [redacted] Compliant Higher Priced Mortgage Loan. | Compliance testing conducted following exception clearing changed loan from non-compliant HPML to compliant HPML. New exception opened for compliant HPML. |  |  |  | Reviewer Comment (2017-09-06): XXXXX Accepts<br>Buyer Comment (2017-09-05): XXXX accepts |  |  | 09/06/2017 | 1 A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063395 | XXXX | XXXX |  | 35733121 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) | ADDED xx/xx/xxxx following receipt of Initial LE. |  |  |  | Reviewer Comment (2017-09-11): Received [redacted] in trailing documents. Compliance testing passed. Exception cleared. | 09/11/2017 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063395 | XXXX | XXXX |  | 35733122 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. [redacted] | ADDED xx/xx/xxxx following receipt of Initial LE. |  |  |  | Reviewer Comment (2017-09-11): Received [redacted] in trailing documents. | 09/11/2017 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063395 | XXXX | XXXX |  | 35733123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. [redacted] | ADDED xx/xx/xxxx following receipt of Initial LE. |  |  |  | Reviewer Comment (2017-09-11): Received [redacted] in trailing documents. Compliance testing passed. Exception cleared. | 09/11/2017 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063395 | XXXX | XXXX |  | 35733124 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | [redacted] - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | New exception upon receipt of electronic delivery of early CD. |  |  |  | Buyer Comment (2017-11-02): DH accepts |  |  | 11/02/2017 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733127 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Business verification within [redacted] of closing not provided. |  |  |  | Reviewer Comment (2019-02-28): Rec'd [redacted]/Registration for business dated [Redacted] | 02/28/2019 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733129 |  | 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. | Appraisal transfer letter not provided |  |  |  | Buyer Comment (2019-03-06): [Redacted] accepts this condition. The initial lender XXXXX was acquired by the current lender during the loan process.<br>Reviewer Comment (2019-03-04): Supporting documentation has not been provided. When the Lender of Record is different from the Lender listed on the [redacted], an EV2 informational exception will be added for TILA HPML [redacted] Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br>Buyer Comment (2019-03-04): PER SELLER: stated in commentary XXXXX acquired XXXX and there wont be a transfer letter. We took over the companies assets<br>Reviewer Comment (2019-02-28): Rec'd [redacted], still missing transfer letter. |  |  | 03/06/2019 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733130 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Prepaid Property Tax Months | TILA-RESPA [redacted] - Other Costs: [redacted] provided on XX/XX/XXd not disclose number of months for Property Tax under Prepaids. (FinXX/XX/XX) | CD signed at closing did not disclose the number of months, however the post close re-issued CD did provide [redacted]months of taxes paid. |  |  |  | Reviewer Comment (2019-02-27): Post close Corrected [redacted] disclosed [redacted] months of taxes paid at closing. |  | 02/27/2019 |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733131 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act (XXXXX): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within [redacted]of application. | Form signed at closing acknowledging receipt.. |  |  |  | Reviewer Comment (2019-02-27): Borrower signed an acknowlegement for [redacted] | 02/27/2019 |  |  | 1 B A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least [redacted] prior to closing. (Final XX/XX/XX) | CD not sent to borrower prior to closing. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received [redacted] dated [Redacted] and signed by Borrower on [Redacted] | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733133 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on XX/XX/XX was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to[redacted]. (InitXX/XX/XX) | E-Sign agreement signed at closing |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 B A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733134 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller [redacted] | TILA-RESPA [redacted]: Seller [redacted] not located in the file. (Final XX/XX/XX) | Document not provided |  |  |  | Reviewer Comment (2019-02-27): Seller Closing Disclosure provided. | 02/27/2019 |  |  | 1 B A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733135 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or[redacted]. Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733138 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733139 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-02-27): [Redacted] received evidence of earlier eSign Agreement on XX/XX/XX. | 02/27/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733141 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. [redacted] | Initial LE sent electronically prior to E-Sign consent. No cure provided. |  |  |  | Reviewer Comment (2019-03-07): Change of circumstance provided. Transfer tax disclosed as [redacted]increase to [redacted] results form loan amount increase when rate was locked<br>Reviewer Comment (2019-03-06): Please provide [redacted] for transfer tax increase. Not located in file and not provided in trailing docs.<br>Buyer Comment (2019-03-06): Per SELLER: if this is in regards to transfer tax increase it was properly [redacted]'d. The XXXXX update states nothing new or why the [redacted] is not acceptable.<br>Reviewer Comment (2019-03-04): [Redacted] received XX/XX/XX [redacted]. A [redacted] is required to cure.<br>Reviewer Comment (2019-02-27): Final CD disclosed Lender Credit of [redacted] and [redacted] did not reflect a Lender credit. Lender credit was added with rate lock on XX/XX/XX. <br> A cure for the Transfer Tax tolerance violation is needed. A [redacted], [redacted], [redacted] is required to cure. | 03/07/2019 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733142 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on XX/XX/XX disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. | Total Closing costs exceeding legal limit not notated. Lender did not disclose a legal limit overage amount |  |  |  | Reviewer Comment (2019-03-07): Change of circumstance provided. Transfer tax disclosed as [redacted]increase to [redacted] results form loan amount increase when rate was locked<br>Reviewer Comment (2019-02-27): Final CD disclosed Lender Credit of [redacted] and LE did not reflect a Lender credit. Lender credit was added with rate lock on XX/XX/XX. A cure for the Transfer Tax tolerance violation is needed. A Corrected [redacted] and Letter of Explanation are required to cure. | 03/07/2019 |  |  | 1 B A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733143 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller [redacted] Fees Greater than [redacted] Seller Paid Fees | TILA-RESPA [redacted]: Fees disclosed on the Seller's [redacted] are greater than the Seller Paid fees disclosed on the Consumer's [redacted]. | Seller [redacted] provided. |  |  |  | Reviewer Comment (2019-03-14): cleared | 03/14/2019 |  |  | 1 A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063396 | XXXX | XXXX | XXXX | 35733144 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Revised Loan Estimate Received Date > [redacted] Received Date | TILA-RESPA [redacted]: Revised Loan Estimate XX/XX/XX received on or after the date the [redacted] [redacted] was received. | [Redacted] received Loan estimate issued XX/XX/XX document is not signed or dated. Thus [Redacted] using the[redacted]mailbox rule for receipt of the LE. Please provide documentation the borrower received the LE prior to the XX/XX/XX Initial CD being issued |  |  |  | Reviewer Comment (2019-03-14): Disclosure tracking details provided | 03/14/2019 |  |  | 1 A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063396 | XXXX | XXXX | XXXX | 35733145 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA [redacted]: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least [redacted] prior to closing. | [Redacted] received Loan estimate issued XX/XX/XX document is not signed or dated. Thus [Redacted] using the [redacted] mailbox rule for receipt of the LE. Please provide documentation the borrower received the LE prior to the XX/XX/XX Initial CD being issued |  |  |  | Reviewer Comment (2019-03-14): Disclosure tracking details provided | 03/14/2019 |  |  | 1 A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733148 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  | [redacted] valuation not provided. |  |  |  | Reviewer Comment (2019-06-28): Received CDA | 06/28/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733149 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Escrow Statement not provided. |  |  |  | Reviewer Comment (2019-03-08): Rec'd disclosure in trailing docs<br>Buyer Comment (2019-03-08): Attached, please find the [redacted]. Please review and clear this condition. Thank You! | 03/08/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733150 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Mortgage is not signed by notary. |  |  |  | Reviewer Comment (2019-03-08): GA loan - Closing Attorney Affidavit dated xx/xx/xxxx.<br>Buyer Comment (2019-03-08): Please review the Notarial Information on the last page of Mortgage. The Notarial Stamp includes all required information. Please clear this condition and all other related conditions. Thank you! | 03/08/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733151 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel not provided. |  |  |  | Reviewer Comment (2019-03-08): Rec'd [redacted]in trailing docs.<br>Buyer Comment (2019-03-08): Attached, please find the Right to Cancel. Please review and clear this condition. Thank you! | 03/08/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 225063397 | XXXX | XXXX | XXXX | 35733152 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Reviewer Comment (2019-03-08): Proof copy of [redacted] report provided to Borrower ([redacted])<br>Buyer Comment (2019-03-08): Attached, please find a proof of [redacted] delivery. Please review and clear this condition. Thank You! | 03/08/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733153 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR[redacted]+ [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-03-08): Compliance rerun | 03/08/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063397 | XXXX | XXXX | XXXX | 35733154 |  | 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 ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2019-03-08): Proof copy of [redacted] report provided to Borrower ([redacted])<br>Buyer Comment (2019-03-08): Attached, please find [redacted]. Please review and clear this condition. Thank you! | 03/08/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 225063398 | XXXX | XXXX | XXXX | 35733157 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is [redacted], and not a [redacted]. |  |  |  |  |  | Reviewer Comment (2019-04-01): Rec'd [redacted] in trailing docs. | 04/01/2019 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063398 | XXXX | XXXX | XXXX | 35733158 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Non Escrowed Property Costs Year [redacted] | TILA-RESPA [redacted] - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of $[redacted]on [redacted] provided on xxxx/xxxxt accurate. | Appraisal disclosed [redacted] annually. |  |  |  | Reviewer Comment (2019-04-03): [Redacted] received PCCD correcting non escrowed property costs over [redacted] year and LOE. Exception Cured.<br>Reviewer Comment (2019-03-28): [redacted], is required in order to address the exception. |  | 04/03/2019 |  | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063398 | XXXX | XXXX | XXXX | 35733159 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2019-03-28): Rec'd Notice of Right to Cancel in trailing docs. | 03/28/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 225063398 | XXXX | XXXX | XXXX | 35733160 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Disclosed [redacted] calculated[redacted] |  |  |  | Reviewer Comment (2019-03-28): [Redacted] received required documents, exception is cleared. | 03/28/2019 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225063398 | XXXX | XXXX | XXXX | 35733161 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on xxxx/xxxxs electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to [redacted]. | Validated the consent in file is dated xxxx/xx. |  |  |  | Reviewer Comment (2019-04-02): [Redacted] reviewed exception indicating LE was electronically received however LE was also sent through the mail and received prior to the electronically sent. Exception Cleared. | 04/02/2019 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 225063398 | XXXX | XXXX | XXXX | 35733162 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. | Cost to cure [redacted] due Borrower. Valid Change in circumstance was not provided. Rate lock provided disclosed expiration xxxx/xxxxoan funded xxxx/xx. |  |  |  | Reviewer Comment (2019-03-28): [Redacted] received required documents, exception is cleared. | 03/28/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225063398 | XXXX | XXXX | XXXX | 35733164 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2019-06-28): Received CDA | 06/28/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063398 | XXXX | XXXX | XXXX | 35733165 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Vesting on Title does not match Security Instrument and Grant Deed was not provided. |  |  |  | Reviewer Comment (2019-04-01): Rec'd Final Title policy in trailing docs. | 04/01/2019 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225063399 | XXXX | XXXX | XXXX | 35733168 |  | Credit | Note | Document Error | Note | Missing Documentation: Complete non-subject financing information was not found in file. |  | Missing verification of PITI for [Redacted] |  |  |  | Reviewer Comment (2019-04-22): Rec'd Final CD for purchase of property to verify PITIA.<br>Buyer Comment (2019-04-19): Attached, please find the requested documentation. Please review and clear this condition. Thank you! | 04/22/2019 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225063400 | XXXX | XXXX | XXXX | 35733169 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2019-04-25): Rec'd supplemental report in trailing docs. | 04/25/2019 |  |  | 1 C A |  | WA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 225063400 | XXXX | XXXX | XXXX | 35733172 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Lump Sum Allocation | Lump sum lender/seller credit disclosed on [redacted] applied to offset non-finance charges [redacted], then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. |  |  |  |  | Buyer Comment (2019-04-24): [Redacted] accepts |  |  | 04/24/2019 | 1 B A |  | WA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 225063400 | XXXX | XXXX | XXXX | 35733173 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Complaince Report |  |  |  | Reviewer Comment (2019-04-24): Received in trailing documents. | 04/24/2019 |  |  | 1 C A |  | WA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 225063401 | XXXX | XXXX | XXXX | 35733174 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Rent income per audit is less than lender's. |  |  |  | Reviewer Comment (2019-04-26): Reviewed Investment Properties net income and or loss calculations. | 04/26/2019 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | C A | N/A | N/A | No |
| 225063402 | XXXX | XXXX |  | 35733178 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves does not meet minimum requirement of [redacted] months and no exception approval is evident. |  |  |  | Reviewer Comment (2019-04-30): Refinance loan transaction meets Debt Consolidation criteria including total monthly debt payments lowered [redacted] > [redacted] minimum , closing costs recouped in [redacted] months within [redacted] months and cash to Borrower $[Redacted] loan amount. Minimum [redacted] month reserves after closing (no additional reserves required for other loan features).<br>Buyer Comment (2019-04-30): Attached, please find the Underwriter's explanation and supporting documentation. Please review and clear this condition. Thank you! | 04/30/2019 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 225063402 | XXXX | XXXX |  | 35733180 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | LTV does exceed [redacted]% for Alternative doc and FICO score. No exception approval is evident in the file. |  |  |  | Reviewer Comment (2019-04-30): Refinance loan transaction meets Debt Consolidation criteria including total monthly debt payments lowered [redacted] % > [redacted]% minimum , closing costs recouped in [redacted]months within [redacted]months and cash to Borrower $[Redacted] loan amount. Debt Consolidation LTV's follow Raxx/xxrm LTV limits. [Redacted] credit score supports [redacted]% LTV [Redacted] Alternative Docxx/xxprogram approval.<br>Buyer Comment (2019-04-30): Attached, please find the Underwriter's explanation and supporting documentation related to the LTV. Please review and clear this condition. Thank you! | 04/30/2019 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 225063402 | XXXX | XXXX |  | 35733181 |  | Credit | Guideline | Guideline Issue | Guideline | PITIA months reserves is less than [redacted] months and below guideline minimum requirements. |  | PITIA reserves does not meet minimum of [redacted] month requirement. |  |  |  | Reviewer Comment (2019-04-30): Refinance loan transaction meets Debt Consolidation criteria including total monthly debt payments lowered [redacted]% > [redacted]% minimum , closing costs recouped in[redacted]1 months within [redacted]months and cash to Borrower $[Redacted] loan amount. Minimum [redacted] month reserves after closing (no additional reserves required for other loan features).<br>Buyer Comment (2019-04-30): Attached, please find the Underwriter's explanation and supporting documentation. Please review and clear this condition. Thank you! | 04/30/2019 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 225063402 | XXXX | XXXX |  | 35733182 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | LTV does exceed [redacted] for Alternative doc and FICO score. No exception [redacted] is evident in the file. |  |  |  | Reviewer Comment (2019-04-30): Refinance loan transaction meets Debt Consolidation criteria including total monthly debt payments lowered [redacted]% > [redacted]% minimum , closing costs recouped in [redacted]months within [redacted]months and cash to Borrower $[Redacted] loan amount. Debt Consolidation LTV's follow Raxx/xxrm LTV limits. [Redacted] credit score supports [redacted]% LTV Near-Prime Alernative Docxx/xxprogram approval. | 04/30/2019 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 225063403 | XXXX | XXXX | XXXX | 35733183 |  | 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 ___. |  | Borrower has job stability for [redacted] years as a (redacted)<br>[Redacted] representative FICO score > [redacted] guideline minimum - [Redacted] points above guideline minimum |  | Aggregator<br>Aggregator | Reviewer Comment (2019-04-29): Rec'd Lender exception approval in trailing docs. |  |  | 04/29/2019 | 2 C B |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 225063403 | XXXX | XXXX | XXXX | 35733184 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Per guidelines, policy must be effective for at least [redacted] days after the date of funding. | Guideline variance approved by lender at time of origination |  | Aggregator | Reviewer Comment (2019-05-09): Credit exception approval provided with compensating factors. |  |  | 05/09/2019 | 2 B |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 225063403 | XXXX | XXXX | XXXX | 35733186 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] within [redacted] days of closing. |  |  |  | Reviewer Comment (2019-04-29): VVOE dated xx/xx/xxxx is in the file. | 04/29/2019 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 225063404 | XXXX | XXXX | XXXX | 35733187 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the [redacted]/ [redacted] from the file. |  |  |  | Reviewer Comment (2019-05-21): Report in file is sufficient for GAP Report. New exception added for missing origination Credit Report (XX/XX/XX)<br>Buyer Comment (2019-05-21): Please find the credit report XX/XX/XX attached. Please review and clear this condition. Thank you! | 05/21/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D A C | Non QM | Non QM | No |
| 225063404 | XXXX | XXXX | XXXX | 35733188 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Commitment proposed insurance amount is short of the required [Redacted] note amount. |  |  |  | Reviewer Comment (2019-05-22): Received in trailing documents.<br>Buyer Comment (2019-05-22): Attached, please find the updated title insurance reflecting sufficient coverage, equal to the loan amount. Please review and clear this condition. Thank you! | 05/22/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D A C | Non QM | Non QM | No |
| 225063404 | XXXX | XXXX | XXXX | 35733190 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Securitization Review and the supporting secondary valuation was an AVM |  |  |  |  |  | Reviewer Comment (2019-06-28): Received XXXXX | 06/28/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D A C | Non QM | Non QM | No |
| 225063404 | XXXX | XXXX | XXXX | 35733191 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section [redacted]: Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2019-05-21): Received in trailing documents.<br>Buyer Comment (2019-05-21): Attached, please find the Lender executed disclosure. Please review and clear this condition. Thank you! | 05/21/2019 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C | Non QM | Non QM | Yes |
| 225063404 | XXXX | XXXX | XXXX | 35733192 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA [redacted] - Calculating Cash to Close: [redacted] provided on [redacted] disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. | Cure for Credit report fees of [redacted] was not provided. |  |  |  | Reviewer Comment (2019-05-23): [redacted] - Co-borrower added to the loan increase credit report fee<br>Buyer Comment (2019-05-22): The loan estimate issued on XX/XX/XXincluded a credit report fee of $[redacted], and a Broker Credit Report fee of $[redacted]. The initial CD issued on XX/XX/XX, included a Credit Report Fee of $[redacted], and a Broker Credit Report Fee of $[redacted]. The Final CD disclosed the same amounts as the initial. Please review this and clear this condition. Thank you! | 05/23/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 225063404 | XXXX | XXXX | XXXX | 35733193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed as [redacted] on LE, but disclosed as [redacted] on [redacted]. |  |  |  | Reviewer Comment (2019-05-23): [redacted] - Co-borrower added to the loan increase credit report fee<br>Buyer Comment (2019-05-22): The loan estimate issued on XX/XX/XXincluded a credit report fee of $[redacted], and a Broker Credit Report fee of $[redacted]. The initial CD issued on XX/XX/XX, included a Credit Report Fee of $[redacted], and a Broker Credit Report Fee of $[redacted]. The Final CD disclosed the same amounts as the initial. Please review this and clear this condition. Thank you! | 05/23/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225063404 | XXXX | XXXX | XXXX | 35733194 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted] not provided |  | Missing Origination Credit Report Dated [redacted] per [redacted]. |  |  |  | Reviewer Comment (2019-05-23): Received in trailing documents.<br>Buyer Comment (2019-05-23): Attached, please find the credit report in reference. Additionally, the Underwriter has advised that the credit attached was broker credit that was reissued initially. However when co borrower was added a joint [Redacted] credit was pulled and used instead. However this broker credit is the one that matches the first FACTA disclosure in question. <br>Please review and clear this condition. Thank you! | 05/23/2019 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D A C | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733196 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2019-05-31): Title Policy Amount of $[redacted]provided | 02/28/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733197 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of [redacted] does not meet loan amount of [redacted]. Shortfall [redacted] |  |  |  | Reviewer Comment (2019-05-31): Hazard insurance indicates [redacted]% RC.<br>Buyer Comment (2019-05-31): RCE uploaded for review. | 02/28/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733198 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Revised [redacted] Received Date > [redacted] Received Date | TILA-RESPA [redacted]: Revised [redacted] received on or after the date the [redacted]was received. |  |  |  |  | Buyer Comment (2019-05-31): waive |  |  | 02/28/2019 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733199 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA [redacted]: Revised [redacted] provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | The final LE was issued on [redacted] with no evidence of early receipt; the borrower signed on [redacted]. |  |  |  | Reviewer Comment (2019-05-31): AMC received [redacted] signed the same day. Exception Cleared. | 03/05/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733200 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender granted exception for loan amount exceeding program maximum. | Perfect mortgage history paid as agreed since earliest inception date of [redacted]<br>Borrower has been self-employed as a dentist for the past [redacted] years.<br>No public records. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-05-31): [redacted] has elected to waive this exception based on compensating factors. |  |  | 02/27/2019 | 2 C B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2019-05-31): DTI is [redacted]% vs program max of [redacted]%<br>Reviewer Comment (2019-05-31): Adjusted liabilities which resulted in a DTI of [redacted]%. Only difference I see is the qualifying P&I reflected on the [redacted]year term approval is $[redacted], which is what I used vs $[redacted]which is what is reflected on the [redacted]you've provided in trailing docs.<br>Buyer Comment (2019-05-31): We are calc the DTI as [redacted]. Please confirm you agree<br>Reviewer Comment (2019-05-31): Updated DTI is [redacted]%<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Buyer Comment (2019-05-31): Please refer to page [redacted]of Guidelines. The Qualifying Payment is calculated by taking the term ([redacted]) minus the IO period ([redacted]years) = [redacted]months used to calculate qualifying payment. The Qual Term is always [redacted]months.<br>For [redacted] loan programs [redacted]- Jumbo Prime, [redacted]- Income per [redacted], [redacted]- Residual Income, [redacted]- Asset Depletion, [redacted]- Moderate Credit Full Doc and [redacted]- Moderate Credit [redacted] either <br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. For the [redacted][redacted] and [redacted] ARM and for [redacted]-year fixed products, determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months (this is the case regardless of whether a Loan includes an interest only feature, as all [redacted]interest only loans are for a [redacted]year term with a [redacted]year repayment period). For the [redacted]-year fixed product, determine the qualifying monthly payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months; or<br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. If the loan does not have an interest only feature: determine the&nbsp;&nbsp;&nbsp;&nbsp; qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and the applicable amortization period;<br>If the loan does have an interest only feature: determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate PLUS [redacted]% and the applicable amortization period.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Buyer Comment (2019-05-31): The qualifying PI is $[redacted]and the final qual rate is [redacted]%. The qual term is the loan term ([redacted]months) - IO term ([redacted]Years) = [redacted]month qual term<br>Reviewer Comment (2019-05-31): Qualifying rate is [redacted]% per guideline of note rate of [redacted]% + [redacted]% = [redacted]% for a qualifying PITI of $[redacted]<br>Buyer Comment (2019-05-31): Please advise path to cure | 03/18/2019 |  |  | 1 A C B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 225063405 | XXXX | XXXX | XXXX | 35733202 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Used qualifying method for interest only per lender guidelines. Base rate + [redacted]. |  |  |  | Buyer Comment (2019-05-31): waive<br>Reviewer Comment (2019-05-31): Qualifying rate is [redacted]% per guideline of note rate of [redacted]% + [redacted]% = [redacted]%<br>Buyer Comment (2019-05-31): This loan is a [redacted]month term not a [redacted]. |  |  | 03/01/2019 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733203 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the [redacted] of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | Based on Non-QM Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (2019-05-31): Qualifying rate is [redacted]%<br>Buyer Comment (2019-05-31): The higher rate was utilized Note ([redacted]%) vs. Fully Indexed ([redacted]%), with the recast rate/qualifying rate of [redacted]% for the remaining [redacted]year amortizing period. Please re-review and advise. | 02/28/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733204 |  | 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: [redacted] was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Buyer Comment (2019-05-31): waive |  |  | 02/28/2019 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 225063405 | XXXX | XXXX | XXXX | 35733205 |  | 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 self-employed as a dentist for the past [redacted] years.<br>Perfect mortgage history paid as agreed since earliest inception date of [redacted]<br>No public records. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-05-31): Reserves are [redacted]months vs program requirement of [redacted]months.<br>Buyer Comment (2019-05-31): uploaded exception<br>Reviewer Comment (2019-05-31): Per the[redacted] guides, reserves are based on [redacted]requirements to which there are no overlays modifying these requirements to actual Note P&I. [redacted]Liquid reserves page [redacted], reserves are calculated as the total amount of liquid assets remaining after the loan transaction closes divided by the qualifying payment amount.<br>Buyer Comment (2019-05-31): reserves are calculated using the note PITIA and not the qualifying PITIA.<br>Reviewer Comment (2019-05-31): Updated available reserves are [redacted]months ($[redacted])<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Buyer Comment (2019-05-31): Please refer to page [redacted]of Guidelines. The Qualifying Payment is calculated by taking the term ([redacted]) minus the IO period ([redacted]years) = [redacted] months used to calculate qualifying payment. The Qual Term is always [redacted]months.<br>For [redacted]loan programs [redacted]- [redacted], [redacted]- Income per [redacted]s, [redacted]- Residual Income, A6 - Asset Depletion, M3 - Moderate Credit Full Doc and M4 - Moderate Credit [redacted] either <br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. For the [redacted]/[redacted]and [redacted]/[redacted]ARM and for [redacted]-year fixed products, determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months (this is the case regardless of whether a Loan includes an interest only feature, as all XXXX interest only loans are for a forty year term with a [redacted]year repayment period). For the [redacted]-year fixed product, determine the qualifying monthly payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months; or<br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. If the loan does not have an interest only feature: determine the&nbsp;&nbsp;&nbsp;&nbsp; qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and the applicable amortization period;<br>If the loan does have an interest only feature: determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate PLUS [redacted]% and the applicable amortization period.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Buyer Comment (2019-05-31): The qualifying PI is $[redacted]and the final qual rate is [redacted]%. The qual term is the loan term ([redacted]months) - IO term ([redacted]Years) = [redacted]month qual term<br>Reviewer Comment (2019-05-31): Available for reserves is $[redacted]/ $[redacted]= [redacted]months reserves. Required for reserves is [redacted]months = $[redacted]. Shortage of [redacted]months<br>Buyer Comment (2019-05-31): Using the Qualified payment of $[redacted]...the reserves would be [redacted]months<br>Reviewer Comment (2019-05-31): Reserves are calculated based on qualifying P&I of $[redacted]x [redacted]months $[redacted].<br>Buyer Comment (2019-05-31): Per Guidelines for [redacted]loans over $[redacted]required reserves are [redacted]months PITIA which would equal $[redacted]. Borrower doesn't have any other investment properties. Assets are $[redacted]+ cash out proceeds $[redacted]= $[redacted]total asset / $[redacted]PITIA = [redacted]months of reserves |  |  | 03/18/2019 | 2 C B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733206 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject loan is a [redacted] year IO [redacted] with [redacted] amortization - [redacted] amortization is not allowed under the [redacted] loan program. |  |  |  | Reviewer Comment (2019-05-31): Approval with new [redacted]year program provided.<br>Reviewer Comment (2019-05-31): Updated DTI is [redacted]%<br>Reviewer Comment (2019-05-31): Per lead, we need guidelines specifying the [redacted]year term with the rate add-on percentage.<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Reviewer Comment (2019-05-31): [redacted]states [redacted]year term for I/O products and does not reference [redacted]year term.<br>Buyer Comment (2019-05-31): Please refer to loan approval uploaded, the loan program is an [redacted][redacted] | 03/18/2019 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733207 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor DTI significantly exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines of [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception cannot be compensated to a lower grade.) | Qualifying rate is [redacted] |  |  |  | Reviewer Comment (2019-05-31): Corrected qualifying rate and P&I.<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Buyer Comment (2019-05-31): Please refer to page [redacted]of Guidelines. The Qualifying Payment is calculated by taking the term ([redacted]) minus the IO period ([redacted]years) = [redacted]months used to calculate qualifying payment. The Qual Term is always [redacted]months.<br>For XXXX loan programs [redacted]- [redacted], [redacted]- Income per [redacted]s, [redacted]- Residual Income, [redacted]- Asset Depletion, [redacted]- Moderate Credit Full Doc and [redacted]- Moderate Credit [redacted] either <br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. For the [redacted]and [redacted] ARM and for [redacted]-year fixed products, determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months (this is the case regardless of whether a Loan includes an interest only feature, as all [redacted]interest only loans are for a [redacted]year term with a [redacted]year repayment period). For the [redacted]-year fixed product, determine the qualifying monthly payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months; or<br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. If the loan does not have an interest only feature: determine the&nbsp;&nbsp;&nbsp;&nbsp; qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and the applicable amortization period;<br>If the loan does have an interest only feature: determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate PLUS [redacted]% and the applicable amortization period.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Buyer Comment (2019-05-31): The qualifying PI is $[redacted]and the final qual rate is [redacted]%. The qual term is the loan term ([redacted]months) - IO term ([redacted]Years) = [redacted] month qual term | 03/11/2019 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733208 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Qualifying interest rate discrepancy. |  | Qualifying rate is [redacted] per guideline of note rate of [redacted] + [redacted] = [redacted] for a qualifying PITI of [redacted] |  |  |  | Reviewer Comment (2019-05-31): Corrected qualifying rate and payment.<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Buyer Comment (2019-05-31): Please refer to page [redacted]of Guidelines. The Qualifying Payment is calculated by taking the term ([redacted]) minus the IO period ([redacted]years) = [redacted]months used to calculate qualifying payment. The [redacted]Term is always [redacted]months.<br>For XXXX loan programs [redacted]- [redacted], [redacted]- Income per [redacted]s, [redacted]- Residual Income, [redacted]- Asset Depletion, [redacted]- Moderate Credit Full Doc and [redacted]- Moderate Credit [redacted] either <br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. For the [redacted] and [redacted] ARM and for [redacted]-year fixed products, determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months (this is the case regardless of whether a Loan includes an interest only feature, as all [redacted]interest only loans are for a [redacted]year term with a [redacted]year repayment period). For the [redacted]-year fixed product, determine the qualifying monthly payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months; or<br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. If the loan does not have an interest only feature: determine the&nbsp;&nbsp;&nbsp;&nbsp; qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and the applicable amortization period;<br>If the loan does have an interest only feature: determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate PLUS [redacted]% and the applicable amortization period.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Buyer Comment (2019-05-31): The qualifying PI is $[redacted]and the final qual rate is [redacted]%. The qual term is the loan term ([redacted]months) - IO term ([redacted]Years) = [redacted]month qual term | 03/11/2019 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733209 |  | 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 ___. | Qualifying rate is [redacted] per guideline of note rate of [redacted] + [redacted] = [redacted] for a qualifying PITI of [redacted] | Borrower has been self-employed as a dentist for the past [redacted] years.<br>Perfect mortgage history paid as agreed since earliest inception date of [redacted]<br>No public records. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-05-31): Reserves are [redacted]months vs program requirement of [redacted] months.<br>Reviewer Comment (2019-05-31): Adjusted liabilities which resulted in a DTI of [redacted]%. Only difference I see is the qualifying P&I reflected on the [redacted]year term approval is $[redacted], which is what I used vs $[redacted]which is what is reflected on the [redacted]you've provided in trailing docs.<br>Buyer Comment (2019-05-31): Can you please provide calculation/breakdown for DTI?<br>Reviewer Comment (2019-05-31): Discussed with lead, DTI is based on qualifying payment, not the actual payment.<br>Buyer Comment (2019-05-31): DTI is calculated using the actual PITIA and not the Qualifying payment. Please recalculate<br>Reviewer Comment (2019-05-31): Updated DTI is [redacted]%<br>Reviewer Comment (2019-05-31): Can not clear until the complete set of updated guidelines have been provided to senior management reflecting new [redacted]month term.<br>Buyer Comment (2019-05-31): Please refer to page [redacted]of Guidelines. The Qualifying Payment is calculated by taking the term ([redacted]) minus the IO period ([redacted]years) = [redacted] months used to calculate qualifying payment. The [redacted]Term is always [redacted]months.<br>For XXXX loan programs [redacted]- [redacted], [redacted]- Income per [redacted]s, [redacted]- Residual Income, [redacted]- Asset Depletion, [redacted]- Moderate Credit Full Doc and [redacted]- Moderate Credit [redacted] either <br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. For the [redacted]and[redacted]ARM and for [redacted]-year fixed products, determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted]months (this is the case regardless of whether a Loan includes an interest only feature, as all [redacted]interest only loans are for a [redacted]year term with a [redacted]year repayment period). For the [redacted]-year fixed product, determine the qualifying monthly payment by calculating the payment using the applicable base interest rate and an amortization period of [redacted] months; or<br>1. Determine the applicable base interest rate; the applicable base interest rate is the higher of (a) the note rate and (b) the index plus the margin (the "Fully Indexed Rate")<br>2. If the loan does not have an interest only feature: determine the&nbsp;&nbsp;&nbsp;&nbsp; qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate and the applicable amortization period;<br>If the loan does have an interest only feature: determine the qualifying monthly mortgage payment by calculating the payment using the applicable base interest rate PLUS [redacted]% and the applicable amortization period.<br>Reviewer Comment (2019-05-31): Provide guidelines for term of [redacted]months and qualifying method to be used.<br>Buyer Comment (2019-05-31): The adder for the qualifying rate for a [redacted]year term differs from that of a [redacted]year with a [redacted]year IO. [redacted] is set up for actual.<br>Buyer Comment (2019-05-31): The qualifying PI is $[redacted]and the final qual rate is [redacted]%. The qual term is the loan term ([redacted]months) - IO term ([redacted] Years) = [redacted]month qual term |  |  | 03/18/2019 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733210 |  | 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 [redacted] or more guideline components, the loan is at ATR risk. | Exception added [redacted] |  |  |  | Reviewer Comment (2019-05-31): Lender exception for Reserves and DTI provided. | 03/18/2019 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225063405 | XXXX | XXXX | XXXX | 35733211 |  | 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 [redacted] of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors. |  | Borrower has been self-employed as a dentist for the past [redacted] years.<br>Perfect mortgage history paid as agreed since earliest inception date of [redacted]<br>No public records. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-05-31): DTI is [redacted]% vs program max of [redacted]% |  |  | 03/18/2019 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 225078334 | XXXX | XXXX |  | 35751633 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-10-30): Per client attestation, reserved sections are not applicable to the subject loan product.<br>Buyer Comment (2025-10-28): The reserved sections do not refer to additional documentation, addendums, or riders and should be cleared. We use the same document set across products and put "reserved" in sections that are not applicable to the subject loan product. | 10/30/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751638 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: [redacted] not provided |  | [redacted] doc is missing in file. |  |  |  | Reviewer Comment (2025-11-26): Received OFAC for the business entity in the file. Exception Cleared.<br>Reviewer Comment (2025-11-25): OFAC doc missing for Business Entity [redacted]. Exception remains. | 11/26/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751639 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of [redacted] is less than Cash from Borrower [redacted]. Please provide additional asset documentation. |  |  |  | Reviewer Comment (2025-12-04): Received [redacted]months [redacted] along with operating agreement and access letter. Exception cleared.<br>Buyer Comment (2025-12-02): We have the proof of funds attached here, along with the Operating Agreement for the entity that holds the account and the letter granting permission to use the funds<br>Reviewer Comment (2025-11-25): No document received towards asset. Exception remains. | 12/04/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751641 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation condo is warrantable. |  |  |  | Reviewer Comment (2025-12-08): Provided HOA Questionnaire. Exception cleared.<br>Buyer Comment (2025-12-04): Please see the attached Condo Questionnaire. Based on the information provided, this condo is classified as non-warrantable. | 12/08/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751642 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guideline requirement is not met due to missing asset document. |  |  |  | Reviewer Comment (2025-12-04): Received [redacted]months [redacted] along with operating agreement and access letter. Exception cleared.<br>Buyer Comment (2025-12-02): proof of funds<br>Seller Comment (2025-12-02): please advise if the submitted [redacted]months of the [redacted]s for assets are sufficient on the [redacted] months PITIA | 12/04/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751643 |  | Credit | Credit | Miscellaneous | Credit | Missing Document:[redacted] not provided |  | File is missing the [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Mortgage Payoff document received. Exception cleared. | 11/25/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751644 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the most recent [redacted] month pay history for the subject property mortgage. |  |  |  | Reviewer Comment (2025-12-01): Received VOM reflecting history as of date of ownership of borrower/guarantor.<br>Reviewer Comment (2025-11-25): Provided verification of mortgage for subject property covers [redacted]months history. Require [redacted]months' pay history for the subject property. Exception remains. | 12/01/2025 |  |  | 1 C A D |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078336 | XXXX | XXXX |  | 35751645 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | File is missing the certificate of good standing dated within [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-11-25): Certificate Of Good Standing document received. Exception cleared. | 11/25/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225078343 | XXXX | XXXX |  | 35751730 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] not provided |  | The file is missing the final [redacted]. Copy in file is an [redacted]. |  |  |  | Reviewer Comment (2025-03-21): clear<br>Buyer Comment (2025-03-19): Please find attached the final HUD-1. Thak you. | 03/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225078343 | XXXX | XXXX |  | 35751731 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | The application disclosed the borrower is married and is located in the state of [redacted], which is a community property state. The non-borrowing spouse did not sign the security instrument and the file is missing the spousal consent form. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-21): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-19): Please accept this request to waive the exception grade to a [redacted]based on the following compensating factors:<br> Borrowers' mid fico is [redacted]+ points over the minimum required for this program & product. Borrowers ltv is super low @ [redacted]% which is [redacted]+ lower than the max permitted for this program/product. Borrowers has over [redacted]+ mths of reserves. Borrowers DSCR ratio is over [redacted]. No bk's or foreclosures. Thank you. |  |  | 03/21/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 225078344 | XXXX | XXXX |  | 35751735 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Error: Birth Date was not provided |  | Date of Birth is not provided [redacted] however he signed the note and has [redacted] ownership of business. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-04): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): Lender accepts. Please waive with available compensating factors |  |  | 04/04/2025 | 2 B |  | PA | Investment | Purchase | D B A |  | N/A | No |
| 225078344 | XXXX | XXXX |  | 35751736 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted] not provided |  | [redacted] is not provided for the [redacted]guarantor to sign the [redacted] and [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-04): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): Lender accepts. Please waive with available compensating factors |  |  | 04/04/2025 | 2 D B |  | PA | Investment | Purchase | D B A |  | N/A | No |
| 225078344 | XXXX | XXXX |  | 35751737 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Missing [redacted]/[redacted] for [redacted]Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-04): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): Lender accepts. Please waive with available compensating factors |  |  | 04/04/2025 | 2 C B |  | PA | Investment | Purchase | D B A |  | N/A | No |
| 225078344 | XXXX | XXXX |  | 35751738 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Full fraud report is required for all Guarantors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-04): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): Lender accepts. Please waive with available compensating factors |  |  | 04/04/2025 | 2 C B |  | PA | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751740 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Missing credit report for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-05-12): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/12/2025 | 2 C B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751741 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  | Birth date not provided for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-05-12): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/12/2025 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751742 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | [redacted] not provided for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-05-12): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/12/2025 | 2 C B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751744 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted] not provided |  | [redacted] not provided for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-05-12): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/12/2025 | 2 D B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751745 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] |  |  |  |  |  | Reviewer Comment (2025-05-12): Clear<br>Buyer Comment (2025-05-09): [redacted] | 05/12/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078345 | XXXX | XXXX |  | 35751746 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: [redacted] not provided |  | Missing [redacted] for the borrowing entity. |  |  |  | Reviewer Comment (2025-05-12): clear<br>Buyer Comment (2025-05-09): [redacted] | 05/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 225078346 | XXXX | XXXX |  | 35751750 |  | Credit | Credit | Credit Documentation | Credit | No evidence of [redacted] in file |  | Full Fraud Report missing from the file for all [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC | Reviewer Comment (2025-05-14): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-13): Lender accepts. Please waive with available [redacted]<br>Reviewer Comment (2025-05-13): Required for all [redacted].<br>Buyer Comment (2025-05-09): see attached [redacted] |  |  | 05/14/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225078346 | XXXX | XXXX |  | 35751752 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: [redacted] not provided |  | Full Fraud Report is required from the file for all [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC | Reviewer Comment (2025-05-14): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-13): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-05-13): Required for all [redacted].<br>Buyer Comment (2025-05-09): see Attached fraud |  |  | 05/14/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225078346 | XXXX | XXXX |  | 35751753 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC not provided for all [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC | Reviewer Comment (2025-05-14): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-13): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-05-13): Required for all [redacted].<br>Buyer Comment (2025-05-09): [redacted] |  |  | 05/14/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225078346 | XXXX | XXXX |  | 35751754 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing [redacted] |  | Provide a [redacted] for all parties that signed the Guaranty. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC | Reviewer Comment (2025-05-14): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-13): Lender accepts. Please waive with available compensating factors |  |  | 05/14/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225078346 | XXXX | XXXX |  | 35751755 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted]not provided |  | Provide a [redacted] for all parties that signed the Guaranty. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC | Reviewer Comment (2025-05-14): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-13): Lender accepts. Please waive with available compensating factors |  |  | 05/14/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 225078347 | XXXX | XXXX |  | 35751758 |  | Credit | Credit | Credit Documentation | Credit | No evidence of [redacted] in file |  | [redacted] is missing for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/13/2025 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 225078347 | XXXX | XXXX |  | 35751759 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] missing for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/13/2025 | 2 C B D |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 225078347 | XXXX | XXXX |  | 35751760 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted] not provided |  | [redacted] for [redacted], not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/13/2025 | 2 D B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 225078347 | XXXX | XXXX |  | 35751761 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: [redacted] not provided |  | [redacted] for [redacted], not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative [redacted]<br> Representative [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-09): Lender accepts. Please waive with available compensating factors |  |  | 05/13/2025 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 225078349 | XXXX | XXXX |  | 35751772 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file contains [redacted] different accounts ([redacted]) that are in a third party business entity name. The file does not contain documentation to verify the ownership of the these [redacted] business accounts. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): [redacted] agreement<br>Reviewer Comment (2025-06-19): Need percentage of ownership. Document provided does not verify ownership percentage.<br>Buyer Comment (2025-06-17): business | 07/07/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225078349 | XXXX | XXXX |  | 35751774 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file contains [redacted] different accounts ([redacted]) that are in a third party business entity name. The file does not contain documentation to verify the ownership of the these [redacted] business accounts. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): see attached operating agreement<br>Reviewer Comment (2025-06-19): Need percentage of ownership. Document provided does not verify ownership percentage.<br>Buyer Comment (2025-06-17): see attached | 07/07/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225078349 | XXXX | XXXX |  | 35751775 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as [redacted] are missing the principal residence address. |  |  |  | Reviewer Comment (2025-06-16): clear<br>Buyer Comment (2025-06-12): Non-Owner | 06/16/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225078349 | XXXX | XXXX |  | 35751776 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file contains [redacted] different accounts ([redacted]) that are in a third party business entity name. The file does not contain documentation to verify the ownership of the these [redacted] business accounts. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): see attached [redacted]<br>Reviewer Comment (2025-06-19): Need percentage of ownership. Document provided does not verify ownership percentage.<br>Buyer Comment (2025-06-17): see attached | 07/07/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751780 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  | A [redacted] is required for all Guarantors. | The representative [redacted] score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Waived with compensating factors at clients request.<br>Buyer Comment (2025-06-09): Lender accepts. Please waive with available compensating factors |  |  | 06/11/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751781 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted] is missing for [redacted] | The representative [redacted] score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Waived with compensating factors at clients request.<br>Buyer Comment (2025-06-09): Lender accepts. Please waive with available compensating factors |  |  | 06/11/2025 | 2 C B D |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751783 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: OK to proceed on [redacted] that has not been seasoned. [redacted] discharged [redacted]. Initial UW missed it and only caught at [redacted], we have written statement from UW Manager assuring broker that we will proceed<br> once we have a discharge.<br> Compensating factor. [redacted] blow max allowed; fico is [redacted] points above minimum required for current LTV. | The representative [redacted] score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-05): Waived with compensating factors per lender exception approval at origination. |  |  | 06/05/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751784 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity and [redacted] Guarantor.. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted].<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted] points. | Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Waived with compensating factors at clients request.<br>Buyer Comment (2025-06-09): Lender accepts. Please waive with available compensating factors |  |  | 06/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751785 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the [redacted] that have not been addressed |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted].<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted] points. | Loan to Value: [redacted]<br> Guideline Maximum Loan to Value: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-06-11): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-06-11): This Guarantor is not listed on the [redacted]..<br>Buyer Comment (2025-06-09): Fraud |  |  | 06/13/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078350 | XXXX | XXXX |  | 35751786 |  | Credit | Credit | Credit Documentation | Credit | No evidence of [redacted] in file |  | Required for all Guarantors. |  |  |  | Reviewer Comment (2025-06-11): Cleared.<br>Buyer Comment (2025-06-09): see attached fraud | 06/11/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751825 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Missing application for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 C B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751827 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: [redacted]not provided |  | Missing [redacted] for [redacted] individual who signed guarantor agreement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 D B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751828 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Declarations are incomplete: [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Missing application for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 C B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751829 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] are incomplete: [redacted] Have you or will you be applying for any new credit (e.g., [redacted].) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Missing application for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 C B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751830 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] are incomplete: [redacted] Will this property be subject to a lien that could take priority over the first mortgage lien, such as a [redacted] lien paid through [redacted] (e.g., the [redacted])? reflects neither Yes nor No. Unable to determine eligibility without this information. |  | Missing application for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 C B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751831 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing [redacted] |  | Missing [redacted] for [redacted] individual who signed guarantor agreement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [redacted]. | Reserves: [redacted] Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: [redacted] | SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-03-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-17): Lender accepts. Please waive with available compensating factors |  |  | 03/19/2025 | 2 C B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078353 | XXXX | XXXX |  | 35751832 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: [redacted] not provided |  | Lender approved exception at origination for not documenting all rental payments in the last [redacted]. [redacted] provided; however, they are private landlords, which require [redacted] months cancelled checks. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Documentation Type: [redacted]<br> Disposable Income: [redacted]<br>Reserves: [redacted] Guideline Requirement: [redacted] | SitusAMC,Originator Pre-Close<br>Originator Pre-Close,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): Waived with compensating factors per lender exception approval at origination. |  |  | 03/14/2025 | 2 B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| 225078354 | XXXX | XXXX |  | 35751834 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted] Rent Comparison Schedule is incomplete |  | Incomplete document available for [redacted] Rent Comparison Schedule. |  |  |  | Reviewer Comment (2025-03-24): clear<br>Buyer Comment (2025-03-20): Page [redacted] of [redacted] has short term rental analysis. | 03/24/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225078354 | XXXX | XXXX |  | 35751836 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: [redacted] reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. | Borrower has verified disposable income of at least [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Documentation Type: [redacted]<br> Disposable Income: [redacted]<br>DTI: [redacted]<br> Guideline Maximum DTI: [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-26): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-03-24): exception<br>Reviewer Comment (2025-03-24): To be reviewed upon receipt of remaining assets.<br>Buyer Comment (2025-03-20): see attached [redacted] and [redacted] invoice paid by credit card- working on getting additional funds<br>Buyer Comment (2025-03-20): [redacted] invoice |  |  | 03/26/2025 | 2 C B |  | TN | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225078354 | XXXX | XXXX |  | 35751837 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with her boyfriend. Property owner is not a marital spouse, borrower is ineligible. | Borrower has verified disposable income of at least [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Documentation Type: [redacted]<br> Disposable Income: [redacted]<br>DTI: [redacted]<br> Guideline Maximum DTI: [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-24): Waived with compensating factors per approved lender exception.<br>Buyer Comment (2025-03-20): exception |  |  | 03/24/2025 | 2 C B |  | TN | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 225083310 | XXXX | XXXX |  | 35759882 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for [redacted]. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] tolerance exceeded with sufficient cure provided. |  |  |  | Reviewer Comment (2021-12-17): Sufficient Cure Provided At Closing |  | 12/17/2021 |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225083310 | XXXX | XXXX |  | 35759885 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: [redacted]not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Received [redacted], Exception cleared.<br>Buyer Comment (2021-12-29): Uploaded compliance report. | 12/30/2021 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225083310 | XXXX | XXXX |  | 35759886 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: [redacted] coverage amount is insufficient. |  | [redacted] coverage amount is insufficient. |  |  |  | Reviewer Comment (2021-12-30): Hazard insurance coverage amount covers the loan amount , Exception cleared.<br>Buyer Comment (2021-12-29): Uploaded [redacted] showing [redacted] Dwelling Coverage. Please clear finding. | 12/30/2021 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225083310 | XXXX | XXXX |  | 35759887 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is situated on [redacted] acres vs. program restriction that properties of more than [redacted] acres are ineligible property types. Lender granted exception in file. | The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower has verified disposable income of at least [redacted]. | DTI is [redacted], [redacted] program maximum of [redacted]. | SitusAMC,Originator Pre-Close<br>SitusAMC | Reviewer Comment (2022-01-03): Lender granted exception approval in loan file.<br>Buyer Comment (2021-12-29): Uploaded approved exception. Please clear finding.<br>Reviewer Comment (2021-12-17): [redacted] used to waive Exception. |  |  | 01/03/2022 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225083310 | XXXX | XXXX |  | 35759888 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a [redacted] and property is listed for sale. |  | [redacted] reflect property was listed under [redacted]. | The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower has verified disposable income of at least [redacted]. | DTI is [redacted], [redacted] program maximum of [redacted]. | SitusAMC,Originator Pre-Close<br>SitusAMC | Reviewer Comment (2022-01-03): Lender approved exception with comp factors<br>Buyer Comment (2021-12-29): Uploaded approved exception. Please clear finding.<br>Reviewer Comment (2021-12-17): Compensating Factors used to waive Exception. |  |  | 01/03/2022 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 225083310 | XXXX | XXXX |  | 35759889 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Exception to policy: Borrower considered selling property recently but changed his mind. Property was listed for sale on [redacted], listing expired [redacted] vs. program requirement that if a property is listed for sale or was listed for sale at any time over the past [redacted] months, a loan secured by the property is ineligible (primary, unable to charge prepayment penalty) lender granted exception in file. | The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower has verified disposable income of at least [redacted]. | DTI is [redacted], [redacted] program maximum of [redacted]. | SitusAMC,Originator Pre-Close<br>SitusAMC | Reviewer Comment (2022-01-03): Lender approved exception with comp factors.<br>Buyer Comment (2021-12-29): Uploaded approved exception. Please clear finding.<br>Reviewer Comment (2021-12-17): Compensating Factors used to waive Exception. |  |  | 01/03/2022 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 2/16/2026 12:48:44 PM** |

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **S&P** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 224581836 | XXXX | XXXX |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 224635570 | XXXX | XXXX |  |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 224710933 | XXXX | XXXX |  |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 224942894 | XXXX | XXXX |  |  | A | A | A | A | A | A | A | A |
| 224942895 | XXXX | XXXX |  |  | B C | C A | A C B | A | A | A | A | A B |
| 225063227 | XXXX | XXXX |  |  | C A | A | A C B | B | B | B | B | B A |
| 225063229 | XXXX | XXXX |  |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 225063230 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225063231 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225063232 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225063234 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225063236 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225063237 | XXXX | XXXX |  |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 225063238 | XXXX | XXXX |  |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 225063239 | XXXX | XXXX |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 225063240 | XXXX | XXXX |  |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 225063241 | XXXX | XXXX |  |  | C | C | C A | N/A | N/A | N/A | N/A | N/A |
| 225063268 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063269 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063271 | XXXX | XXXX | XXXX |  | B | A | A B | B | B | B | B | B A |
| 225063272 | XXXX | XXXX | XXXX |  | A | A | A B | B | B | B | B | B A |
| 225063273 | XXXX | XXXX | XXXX |  | D | A | A D | B | B | B | B | B A |
| 225063274 | XXXX | XXXX | XXXX |  | C | C | C A | B | B | B | B | B A |
| 225063275 | XXXX | XXXX | XXXX |  | C | C | C A | B | B | B | B | B A |
| 225063276 | XXXX | XXXX | XXXX |  | C | C | C B | A | A | A | A | A B |
| 225063277 | XXXX | XXXX | XXXX |  | C | C | C B | B | B | B | B | B A |
| 225063278 | XXXX | XXXX | XXXX |  | A | A | A | B | B | B | B | B A |
| 225063279 | XXXX | XXXX |  |  | C D B | B A | A C D B | B | B | B | B | B A |
| 225063280 | XXXX | XXXX |  |  | C B | B A | A C B | B | B | B | B | B A |
| 225063282 | XXXX | XXXX | XXXX |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 225063284 | XXXX | XXXX | XXXX |  | D | C | C D B | N/A | N/A | N/A | N/A | N/A B |
| 225063285 | XXXX | XXXX | XXXX |  | C | C | C B | N/A | N/A | N/A | N/A | N/A B |
| 225063286 | XXXX | XXXX | XXXX |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 225063287 | XXXX | XXXX | XXXX |  | C | B | B C | N/A | N/A | N/A | N/A | N/A B |
| 225063288 | XXXX | XXXX | XXXX |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 225063289 | XXXX | XXXX | XXXX |  | D A | A | A D | A | A | A | A | A |
| 225063290 | XXXX | XXXX | XXXX |  | A C | C A | A C | A | A | A | A | A |
| 225063291 | XXXX | XXXX | XXXX |  | C A | A D | A C D B | A | A | A | A | A B |
| 225063292 | XXXX | XXXX | XXXX |  | A C | C A | A C | A | A | A | A | A |
| 225063293 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063294 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063296 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063297 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063298 | XXXX | XXXX | XXXX |  | C | C D | D A | A | A | A | A | A |
| 225063300 | XXXX | XXXX | XXXX |  | C B | B A | A C | A | A | A | A | A |
| 225063301 | XXXX | XXXX | XXXX |  | C CC | RC A | VA C B | B | B | B | B | B A |
| 225063302 | XXXX | XXXX | XXXX |  | D C | C | C D A | B | B | B | B | B A |
| 225063303 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063304 | XXXX | XXXX |  |  | A C | C A | A C | B | B | B | B | B A |
| 225063308 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063309 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063311 | XXXX | XXXX | XXXX |  | C | C A | A C | A | A | A | A | A |
| 225063312 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063313 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063316 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063317 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063319 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063320 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063321 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225063322 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225063323 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063324 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063325 | XXXX | XXXX |  |  | A | A | A | A | A | A | A | A |
| 225063326 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063328 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063329 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063331 | XXXX | XXXX | XXXX |  | A C | C A | A C | A | A | A | A | A |
| 225063332 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063333 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063334 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063336 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063337 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063339 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063340 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225063341 | XXXX | XXXX | XXXX |  | C A | A | A C | A | A | A | A | A |
| 225063342 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063344 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063346 | XXXX | XXXX | XXXX |  | B A | A | A B | A | A | A | A | A B |
| 225063347 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063348 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225063349 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063350 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063351 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063352 | XXXX | XXXX | XXXX |  | A C | C A | A C | A | A | A | A | A |
| 225063353 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063354 | XXXX | XXXX | XXXX |  | C B | B A | A C B | B | B | B | B | B A |
| 225063355 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063356 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063358 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063359 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063360 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063361 | XXXX | XXXX | XXXX |  | B A | A | A B | A | A | A | A | A B |
| 225063362 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063363 | XXXX | XXXX | XXXX |  | C | C A | A C | A | A | A | A | A |
| 225063364 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063365 | XXXX | XXXX | XXXX |  | C | C A | A C B | A | A | A | A | A B |
| 225063366 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063367 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063368 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063369 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063370 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063371 | XXXX | XXXX | XXXX |  | A | A | A | A | A | A | A | A |
| 225063372 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063373 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225063374 | XXXX | XXXX | XXXX |  | C A | A | A C B | A | A | A | A | A B |
| 225063376 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063377 | XXXX | XXXX | XXXX |  | C B | B A | A C | B | B | B | B | B A |
| 225063378 | XXXX | XXXX | XXXX |  | B C | C A | A C B | B | B | B | B | B A |
| 225063379 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063380 | XXXX | XXXX | XXXX |  | B C | C A | A C B | B | B | B | B | B A |
| 225063382 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063383 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063384 | XXXX | XXXX | XXXX |  | C | C A | A C B | A | A | A | A | A B |
| 225063385 | XXXX | XXXX | XXXX |  | B A | A | A B | A | A | A | A | A B |
| 225063386 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063387 | XXXX | XXXX | XXXX |  | B C | C D | D B | B | B | B | B | B A |
| 225063388 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063389 | XXXX | XXXX | XXXX |  | A C | C A | A C | A | A | A | A | A |
| 225063390 | XXXX | XXXX | XXXX |  | B | B A | A B | B | B | B | B | B A |
| 225063391 | XXXX | XXXX | XXXX |  | A C | C A | A C | B | B | B | B | B A |
| 225063392 | XXXX | XXXX | XXXX |  | A B | B A | A B | B | B | B | B | B A |
| 225063394 | XXXX | XXXX | XXXX |  | C A | A D | D B | A | A | A | A | A B |
| 225063395 | XXXX | XXXX |  |  | C CC | RC A | VA C | B | B | B | B | B A |
| 225063396 | XXXX | XXXX | XXXX |  | C | C A | A C | B | B | B | B | B A |
| 225063397 | XXXX | XXXX | XXXX |  | A C | C | C A | A | A | A | A | A |
| 225063398 | XXXX | XXXX | XXXX |  | C | C | C A | B | B | B | B | B A |
| 225063399 | XXXX | XXXX | XXXX |  | C A | A | A C | A | A | A | A | A |
| 225063400 | XXXX | XXXX | XXXX |  | C B | B A | A C | A | A | A | A | A |
| 225063401 | XXXX | XXXX | XXXX |  | C A | A | A C | A | A | A | A | A |
| 225063402 | XXXX | XXXX |  |  | C A | A | A C | A | A | A | A | A |
| 225063403 | XXXX | XXXX | XXXX |  | C A | A | A C B | A | A | A | A | A B |
| 225063404 | XXXX | XXXX | XXXX |  | C | D C A | A C D | A | A | A | A | A |
| 225063405 | XXXX | XXXX | XXXX |  | C | C A | A C B | B | B | B | B | B A |
| 225078333 | XXXX | XXXX |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 225078334 | XXXX | XXXX |  |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 225078335 | XXXX | XXXX |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 225078336 | XXXX | XXXX |  |  | C D | A | A C D | N/A | N/A | N/A | N/A | N/A |
| 225078337 | XXXX | XXXX |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 225078343 | XXXX | XXXX |  |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 225078344 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225078345 | XXXX | XXXX |  |  | D | D | D B | N/A | N/A | N/A | N/A | N/A B |
| 225078346 | XXXX | XXXX |  |  | C | A | A C B | N/A | N/A | N/A | N/A | N/A B |
| 225078347 | XXXX | XXXX |  |  | D | A | A D B | N/A | N/A | N/A | N/A | N/A B |
| 225078349 | XXXX | XXXX |  |  | C | A | A C | N/A | N/A | N/A | N/A | N/A |
| 225078350 | XXXX | XXXX |  |  | C D | A | A C D B | N/A | N/A | N/A | N/A | N/A B |
| 225078353 | XXXX | XXXX |  |  | D A | A | A D B | A | A | A | A | A B |
| 225078354 | XXXX | XXXX |  |  | C A | A | A C B | A | A | A | A | A B |
| 225083310 | XXXX | XXXX |  |  | C A | A | A C B | A | A | A | A | A B |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch5_001.jpg) |
| **Valuation Report** |
| **Run Date - 2/16/2026 12:48:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 224581836 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 224635570 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224710933 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224942894 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 224942895 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 225063227 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063229 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063230 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063231 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063232 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225063234 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225063236 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 225063237 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063238 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063239 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063240 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063241 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.250% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063268 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063269 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063271 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063272 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063273 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063274 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063275 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063276 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063277 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063278 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063279 | XXXX | XXXX |  |  |  |  |  |  |  | 14.670% |  |  |  | Appraisal |  |  |  |  |  |  | 14.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.660% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063280 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063282 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063284 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063285 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063286 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063287 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063288 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.100% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063289 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063290 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063291 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.940% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 225063292 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063293 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063294 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.920% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063296 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.490% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 225063297 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063298 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063300 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.80 |
| 225063301 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 225063302 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063303 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063304 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063308 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063309 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063311 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063312 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063313 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063316 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063317 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063319 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063320 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063321 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063322 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063323 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063324 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063325 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225063326 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063328 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063329 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063331 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.050% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063332 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063333 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063334 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063336 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063337 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063339 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.480% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063340 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063341 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063342 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063344 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063346 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063347 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.120% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063348 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063349 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063350 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063351 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063352 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063353 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063354 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063355 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063356 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063358 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063359 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063360 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063361 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063362 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063363 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063364 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063365 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.200% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063366 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063367 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063368 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063369 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063370 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063371 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063372 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063373 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063374 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063376 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063377 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063378 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063379 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063380 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063382 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063383 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.800% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063384 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063385 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063386 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063387 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063388 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063389 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063390 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063391 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063392 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225063394 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063395 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225063396 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 225063397 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063398 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 225063399 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063400 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 225063401 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.710% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 225063402 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063403 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 225063404 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 18.960% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225063405 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.390% |  |  | Appraisal |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078333 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.130% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078334 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.060% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078335 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.900% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078336 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078337 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.250% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078343 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225078344 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 225078345 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078346 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225078347 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225078349 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225078350 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 225078353 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225078354 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225083310 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **Supplemental Data** |
| **Run Date - 2/16/2026 12:48:47 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **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** |
| 224581836 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.999% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1260.96 | XXXX | $105.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.98 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224635570 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2512.68 | XXXX | $209.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.82 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224710933 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 9.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1104.00 | XXXX | $92.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.21 | 0.45 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 5.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.43 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224942894 | XXXX | XXXX |  | N/A |  |  |  | No | No | $29995.00 | $23748.31 |  | 7.607% | XXXX | XXXX | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3371.82 | 1 | XXXX | $2870.16 | XXXX | $239.18 |  |  |  |  |  | 36.220% | 36.220% | 36.220% | 07/15/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29995.00 |  | 6.160% | $0.00 | 4.8 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No | 1 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224942895 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $7101.75 | $2595.85 |  | 7.564% | XXXX | XXXX | 7.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32476.47 | 1 | XXXX | $3873.00 | XXXX | $322.75 |  |  |  |  |  | 13.727% | 13.727% | 13.727% | 08/28/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7101.75 |  | 6.220% | $17094.95 | 3.1 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063227 | XXXX | XXXX |  | N/A | Non QM | Yes |  | No | No | $92400.00 | $60568.89 |  | 8.867% | XXXX | XXXX | 8.375% | No | No | Not Employed | Self-Employed | Employed |  | 11.13 |  |  | US Citizen | US Citizen |  |  |  |  |  | $12453.64 | 1 | XXXX | $7596.96 | XXXX | $633.08 |  |  |  |  |  | 43.007% | 43.007% | 43.007% | 09/30/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 48.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $92400.00 |  | 6.360% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 5.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 7.15 |  | No | No |  | $10388.45 | $11462.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063229 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1695.00 | XXXX | $141.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2024 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.27 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063230 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | XXXX | $2215.20 | XXXX | $184.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.03 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063231 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | XXXX | $2806.20 | XXXX | $233.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.5 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063232 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.999% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | XXXX | $1091.16 | XXXX | $90.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2024 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  | 240 | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | VantageScore 2 | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 131.01 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063234 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.125% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 3 | XXXX | $1547.16 | XXXX | $128.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2024 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  | 240 | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 128.85 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
| 225063236 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $8333.52 | XXXX | $694.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.99 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063237 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $927.00 | XXXX | $77.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2024 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063238 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $5555.64 | XXXX | $462.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063239 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | XXXX | $4071.60 | XXXX | $339.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.69 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063240 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $2297.16 | XXXX | $191.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063241 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $2050.80 | XXXX | $170.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO 9 |  | FICO 9 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.53 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| 225063268 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 7.726% | XXXX | XXXX | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $3660.72 | XXXX | $305.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.800% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.88 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063269 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No | $3384.00 | $0.00 |  | 8.821% | XXXX | XXXX | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $978.00 | XXXX | $81.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/22/2024 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3384.00 |  | 6.880% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 7.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| 225063271 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $20000.00 |  |  | 8.342% | XXXX | XXXX | 8.385% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $2385.36 | XXXX | $198.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2019 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $20000.00 |  | 4.240% | $0.00 |  |  |  |  |  | No | 8.385% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  |  |  |  | 360 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| 225063272 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $7872.00 |  |  | 6.557% | XXXX | XXXX | 6.560% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1790.04 | XXXX | $149.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2019 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7872.00 |  | 3.590% | $0.00 |  |  |  |  |  | No | 6.560% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| 225063273 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $0.00 |  |  | 7.665% | XXXX | XXXX | 7.700% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $527.04 | XXXX | $43.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2019 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $0.00 |  | 3.650% | $0.00 |  |  |  |  |  | No | 7.700% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.56 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063274 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $2100.00 |  |  | 6.446% | XXXX | XXXX | 6.475% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $705.00 | XXXX | $58.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2019 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2100.00 |  | 3.910% | $0.00 |  |  |  |  |  | No | 6.475% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor | Individual | Guarantor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.54 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063275 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $7050.00 |  |  | 7.164% | XXXX | XXXX | 7.200% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1220.04 | XXXX | $101.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2019 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7050.00 |  | 3.640% | $0.00 |  |  |  |  |  | No | 7.200% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.21 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063276 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $3584.50 |  |  | 7.036% | XXXX | XXXX | 7.050% | No | No |  |  |  |  |  |  |  | Not Provided |  |  |  |  |  |  |  | 1 | XXXX | $907.68 | XXXX | $75.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2019 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3584.50 |  | 3.590% | $0.00 |  |  |  |  |  | No | 7.050% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.36 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
| 225063277 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $2555.00 |  |  | 6.252% | XXXX | XXXX | 6.300% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $755.04 | XXXX | $62.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2019 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2555.00 |  | 3.530% | $0.00 |  |  |  |  |  | No | 6.300% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.59 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063278 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $3864.00 |  |  | 7.355% | XXXX | XXXX | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1714.92 | XXXX | $142.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2019 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  |  | $3864.00 |  | 4.250% | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 76.790% | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.65 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063279 | XXXX | XXXX |  | N/A |  |  |  | Yes | No | $0.00 |  |  | 7.346% | XXXX | XXXX | 7.365% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $1035.96 | XXXX | $86.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 3.170% | $0.00 |  |  |  |  | N/A | No | 7.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.21 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| 225063280 | XXXX | XXXX |  | N/A |  |  |  | Yes | No | $4350.00 |  |  | 6.975% | XXXX | XXXX | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $3324.72 | XXXX | $277.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/16/2022 | 586 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4350.00 |  | 3.830% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063282 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No | $8705.12 |  |  | 6.916% | XXXX | XXXX | 6.635% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | XXXX | $711.96 | XXXX | $59.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2019 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8705.12 |  | 4.130% | $0.00 |  |  |  |  |  | No | 6.635% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 |
| 225063284 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No | $2112.50 |  |  | 6.398% | XXXX | XXXX | 6.425% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $426.96 | XXXX | $35.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2019 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2112.50 |  | 3.860% | $0.00 |  |  |  |  |  | No | 6.425% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.5 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 983.96 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  |
| 225063285 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No | $5062.50 |  |  | 5.229% | XXXX | XXXX | 5.275% | No | No |  |  |  |  | 0 |  |  | Not Provided | US Citizen |  |  |  |  |  |  | 1 | XXXX | $417.96 | XXXX | $34.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2019 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5062.50 |  | 3.860% | $0.00 |  |  |  |  |  | No | 5.275% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor | Individual | Guarantor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999.13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063286 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | XXXX | $3045.96 | XXXX | $253.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  |  |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor | Individual | Guarantor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.49 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| 225063287 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $1342.92 | XXXX | $111.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/28/2019 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  |  |  |  |  | $0.00 |  |  |  |  |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  |  | Commitment | Fee Simple | Trust | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.81 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225063288 | XXXX | XXXX | XXXX | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | XXXX | $1110.96 | XXXX | $92.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2019 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  |  |  |  |  | $0.00 |  |  |  |  |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.96 | 0.51 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.66 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063289 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $16240.00 | $22023.00 |  | 9.395% | XXXX | XXXX | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $322230.61 | 1 | XXXX | $3626.16 | XXXX | $302.18 |  |  |  |  |  | 2.413% | 2.413% | 2.413% | 11/04/2024 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16240.00 |  | 6.730% | $4000.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063290 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $1690.00 | $3872.93 |  | 9.924% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $114028.08 | 1 | XXXX | $1949.04 | XXXX | $162.42 |  |  |  |  |  | 11.922% | 11.922% | 11.922% | 11/30/2024 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | 6.690% | $2869.95 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 17.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063291 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $2390.00 | $8311.05 |  | 8.159% | XXXX | XXXX | 8.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12941.34 | 1 | XXXX | $2401.20 | XXXX | $200.10 |  |  |  |  |  | 45.461% | 45.461% | 45.461% | 11/07/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2390.00 |  | 6.690% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 50.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.54 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063292 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7586.76 | $10013.88 |  | 9.229% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29804.92 | 1 | XXXX | $4279.20 | XXXX | $356.60 |  |  |  |  |  | 30.458% | 30.458% | 30.458% | 01/17/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7586.76 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 45.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063293 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $4113.92 | $4905.48 |  | 9.123% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3815.97 | 1 | XXXX | $1879.92 | XXXX | $156.66 |  |  |  |  |  | 49.539% | 49.539% | 49.539% | 02/25/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4113.92 |  | 6.810% | $31200.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063294 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $1690.00 | $15166.56 |  | 8.759% | XXXX | XXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $92987.13 | 1 | XXXX | $8766.96 | XXXX | $730.58 |  |  |  |  |  | 24.427% | 24.427% | 24.427% | 04/22/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | 6.810% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 18.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063296 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $21928.75 | $28394.31 |  | 8.400% | XXXX | XXXX | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56361.40 | 1 | XXXX | $4996.56 | XXXX | $416.38 |  |  |  |  |  | 26.222% | 26.222% | 26.222% | 04/14/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 52.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21928.75 |  | 6.740% | $30000.00 | 1.6 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 17.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063297 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $1710.00 | $3491.60 |  | 10.079% | XXXX | XXXX | 10.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11523.99 | 1 | XXXX | $2139.00 | XXXX | $178.25 |  |  |  |  |  | 35.172% | 35.172% | 35.172% | 05/02/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1710.00 |  | 6.800% | $13500.00 |  |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 10.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063298 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12126.50 | $15975.81 |  | 9.183% | XXXX | XXXX | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $64641.07 | 1 | XXXX | $1681.32 | XXXX | $140.11 |  |  |  |  |  | 10.649% | 10.649% | 10.649% | 03/13/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12126.50 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.39 |  | No | No |  | $35449.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063300 | XXXX | XXXX | XXXX | Higher Priced QM |  |  |  | Yes | No | $2527.50 | $1267.53 |  | 7.259% | XXXX | XXXX | 7.150% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1722.82 | 1 | XXXX | $1610.04 | XXXX | $134.17 |  |  |  |  |  | 42.932% | 42.932% | 42.932% | 10/31/2018 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2018<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2018<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2018<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2017 | [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 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXXX | $2527.50 |  | 4.790% | $0.00 | 1.8 |  |  |  | Yes | No | 7.150% | 0 |  | 2 | 0 | 3 | 2 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063301 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $9215.00 | $10390.00 |  | 6.660% | XXXX | XXXX | 6.426% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14198.32 | 1 | XXXX | $1779.96 | XXXX | $148.33 |  |  |  |  |  | 19.761% | 21.531% | 19.761% |  | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% |  |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2016 | [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<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 4506 or 4506-T - 2015 | Alternative Documentation (A) | Reduced |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9215.00 |  | 4.860% | $0.00 | 4.3 |  |  |  | N/A | No | 6.426% | 0 | 2 | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.76 |  |  | No |  | $0.00 | $2046.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063302 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $9795.00 | $12079.00 |  | 7.197% | XXXX | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5731.47 | 1 | XXXX | $353.04 | XXXX | $29.42 |  |  |  |  |  | 41.541% | 41.541% | 41.541% | 03/06/2019 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Primary Income - Wages]; Paystubs - 2016<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<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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 - Social Security]; 1099-SSA - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $9795.00 |  | 4.390% | $0.00 |  |  |  |  | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.77 |  |  | No |  | $1160.50 | $3032.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063303 | XXXX | XXXX | XXXX | Higher Priced QM |  |  |  | Yes | No | $1853.75 | $1130.75 |  | 8.963% | XXXX | XXXX | 8.850% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $3140.66 | 1 | XXXX | $1241.04 | XXXX | $103.42 |  |  |  |  |  | 42.222% | 42.222% | 42.222% | 02/18/2019 | 617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [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) - 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]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1853.75 |  | 3.890% | $0.00 |  |  |  |  | N/A | No | 8.850% | 1 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 54.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063304 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $4419.10 | $3705.14 |  | 8.608% | XXXX | XXXX | 8.350% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7019.06 | 1 | XXXX | $1481.04 | XXXX | $123.42 |  |  |  |  |  | 41.508% | 41.508% | 41.508% | 02/08/2019 | 611 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: ]; 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: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018 | [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 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4419.10 |  | 4.450% | $0.00 |  |  |  |  | N/A | No | 8.350% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063308 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $5154.23 | $7167.19 |  | 10.460% | XXXX | XXXX | 10.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6510.38 | 1 | XXXX | $2063.04 | XXXX | $171.92 |  |  |  |  |  | 41.208% | 41.208% | 41.208% | 11/21/2023 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5154.23 |  | 7.420% | $0.00 |  |  |  |  | N/A | No | 10.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 11.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.57 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063309 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $21545.50 | $32176.50 |  | 10.654% | XXXX | XXXX | 10.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $70917.61 | 1 | XXXX | $8862.96 | XXXX | $738.58 |  |  |  |  |  | 22.817% | 22.817% | 22.817% | 03/18/2024 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 64.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21545.50 |  | 6.860% | $15000.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 27.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063311 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $17262.27 | $19411.50 |  | 10.710% | XXXX | XXXX | 10.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35646.09 | 1 | XXXX | $2766.84 | XXXX | $230.57 |  |  |  |  |  | 18.217% | 18.217% | 18.217% | 05/07/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17262.27 |  | 7.050% | $27680.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 9.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063312 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11570.88 | $12465.23 |  | 10.321% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12926.47 | 1 | XXXX | $1038.96 | XXXX | $86.58 |  |  |  |  |  | 33.770% | 33.770% | 33.770% | 05/31/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11570.88 |  | 6.990% | $10770.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 11.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063313 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $16303.60 | $10884.62 |  | 9.191% | XXXX | XXXX | 9.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47017.62 | 1 | XXXX | $3167.04 | XXXX | $263.92 |  |  |  |  |  | 14.080% | 14.080% | 14.080% | 07/09/2024 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16303.60 |  | 6.900% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063316 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $17405.89 | $22348.67 |  | 10.185% | XXXX | XXXX | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27768.29 | 1 | XXXX | $2402.04 | XXXX | $200.17 |  |  |  |  |  | 19.404% | 19.404% | 19.404% | 10/09/2024 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17405.89 |  | 6.800% | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063317 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10817.12 | $11984.45 |  | 8.886% | XXXX | XXXX | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9816.50 | 1 | XXXX | $782.04 | XXXX | $65.17 |  |  |  |  |  | 37.804% | 37.804% | 37.804% | 08/06/2024 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10817.12 |  | 6.150% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 13.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063319 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $5804.88 | $7247.59 |  | 10.381% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7679.64 | 1 | XXXX | $1153.44 | XXXX | $96.12 |  |  |  |  |  | 34.700% | 34.700% | 34.700% | 10/10/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5804.88 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 8.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.63 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063320 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $1995.00 | $5070.16 |  | 8.516% | XXXX | XXXX | 8.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22361.41 | 1 | XXXX | $6435.00 | XXXX | $536.25 |  |  |  |  |  | 45.585% | 45.585% | 45.585% | 09/11/2024 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | 6.120% | $10000.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 31.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063321 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11000.00 | $20316.27 |  | 6.870% | XXXX | XXXX | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4185.08 | 1 | XXXX | $1055.04 | XXXX | $87.92 |  |  |  |  |  | 46.989% | 46.989% | 46.989% | 08/30/2024 | 628 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11000.00 |  | 6.760% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063322 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $8299.84 | $6409.61 |  | 9.444% | XXXX | XXXX | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13427.85 | 1 | XXXX | $1339.56 | XXXX | $111.63 |  |  |  |  |  | 35.209% | 35.209% | 35.209% | 09/09/2024 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8299.84 |  | 6.400% | $9300.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 3.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063323 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $4208.25 | $7696.09 |  | 10.146% | XXXX | XXXX | 10.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14290.31 | 1 | XXXX | $1319.40 | XXXX | $109.95 |  |  |  |  |  | 31.405% | 31.405% | 31.405% | 09/30/2024 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $4208.25 |  | 6.590% | $0.00 |  |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 33.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063324 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $8271.49 | $6472.69 |  | 8.467% | XXXX | XXXX | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6430.30 | 1 | XXXX | $2118.00 | XXXX | $176.50 |  |  |  |  |  | 43.742% | 43.742% | 43.742% | 09/27/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8271.49 |  | 6.590% | $9120.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063325 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $15257.73 | $21995.73 |  | 8.188% | XXXX | XXXX | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30345.68 | 1 | XXXX | $6398.04 | XXXX | $533.17 |  |  |  |  |  | 35.961% | 35.961% | 35.961% | 09/24/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15257.73 |  | 6.120% | $6719.32 | 1.4 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 22.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.44 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063326 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $6793.43 | $13831.23 |  | 8.639% | XXXX | XXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11650.01 | 1 | XXXX | $1298.04 | XXXX | $108.17 |  |  |  |  |  | 17.164% | 17.164% | 17.164% | 11/22/2024 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6793.43 |  | 6.880% | $6300.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063328 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $25564.84 | $18867.38 |  | 9.279% | XXXX | XXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $328533.66 | 1 | XXXX | $1402.44 | XXXX | $116.87 |  |  |  |  |  | 5.963% | 5.963% | 5.963% | 11/18/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25564.84 |  | 6.690% | $5000.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 38.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063329 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $26583.75 | $29841.29 |  | 9.274% | XXXX | XXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15455.55 | 1 | XXXX | $3000.00 | XXXX | $250.00 |  |  |  |  |  | 40.857% | 40.857% | 40.857% | 11/21/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26583.75 |  | 6.630% | $9339.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.66 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063331 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10800.22 | ($838.00) |  | 8.423% | XXXX | XXXX | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13256.83 | 1 | XXXX | $1743.00 | XXXX | $145.25 |  |  |  |  |  | 49.933% | 49.933% | 49.933% | 11/27/2024 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10800.22 |  | 6.900% | $23562.44 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 3.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.22 |  | No | No |  | $13239.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063332 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11530.50 | $12938.68 |  | 10.081% | XXXX | XXXX | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6086.42 | 1 | XXXX | $5841.96 | XXXX | $486.83 |  |  |  |  |  | 46.443% | 46.443% | 46.443% | 11/20/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21669.81 |  | 6.890% | $11230.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063333 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11798.57 | $24207.86 |  | 10.169% | XXXX | XXXX | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14573.33 | 1 | XXXX | $1415.04 | XXXX | $117.92 |  |  |  |  |  | 49.908% | 49.908% | 49.908% | 10/18/2024 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22798.57 |  | 6.980% | $11000.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 9.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.95 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063334 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $2148.78 | $7055.11 |  | 8.520% | XXXX | XXXX | 8.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49688.13 | 1 | XXXX | $3189.96 | XXXX | $265.83 |  |  |  |  |  | 34.645% | 34.645% | 34.645% | 01/07/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2148.78 |  | 7.070% | $12938.36 |  |  |  |  | N/A | No | 8.500% | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 28.950% | No |  | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.17 |  | No | No |  | $0.00 | $20124.77 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063336 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7453.20 | $8614.48 |  | 10.390% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4839.68 | 1 | XXXX | $1668.00 | XXXX | $139.00 |  |  |  |  |  | 44.454% | 44.454% | 44.454% | 02/13/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12618.20 |  | 6.920% | $6360.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063337 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7544.94 | $2477.68 |  | 9.374% | XXXX | XXXX | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15765.38 | 1 | XXXX | $775.92 | XXXX | $64.66 |  |  |  |  |  | 28.187% | 28.187% | 28.187% | 02/26/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7544.94 |  | 6.850% | $12367.20 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 15.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063339 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $41195.00 | $46229.53 |  | 9.692% | XXXX | XXXX | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $278272.55 | 1 | XXXX | $11361.96 | XXXX | $946.83 |  |  |  |  |  | 15.517% | 15.517% | 15.517% | 01/31/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $41195.00 |  | 6.850% | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| 225063340 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $19262.50 | $38405.40 |  | 9.497% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15479.52 | 1 | XXXX | $5393.04 | XXXX | $449.42 |  |  |  |  |  | 30.870% | 30.870% | 30.870% | 02/24/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32632.45 |  | 6.850% | $20000.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063341 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $2725.00 | $4383.81 |  | 9.431% | XXXX | XXXX | 8.875% | Yes | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6844.48 | 1 | XXXX | $935.04 | XXXX | $77.92 |  |  |  |  |  | 36.944% | 36.944% | 36.944% | 01/31/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2725.00 |  | 6.660% | $2670.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063342 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12631.75 | $8128.87 |  | 10.100% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12471.16 | 1 | XXXX | $1445.16 | XXXX | $120.43 |  |  |  |  |  | 26.118% | 26.118% | 26.118% | 01/29/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12631.75 |  | 6.850% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063344 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $6342.01 | $9134.31 |  | 8.608% | XXXX | XXXX | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14473.27 | 1 | XXXX | $686.76 | XXXX | $57.23 |  |  |  |  |  | 39.466% | 39.466% | 39.466% | 02/18/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6342.01 |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.54 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063346 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11970.75 | $1357.69 |  | 9.500% | XXXX | XXXX | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31647.69 | 1 | XXXX | $1508.04 | XXXX | $125.67 |  |  |  |  |  | 25.926% | 25.926% | 25.926% | 03/13/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11970.75 |  | 6.650% | $14000.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063347 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $15861.00 | $17315.50 |  | 9.082% | XXXX | XXXX | 9.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $433057.33 | 1 | XXXX | $11970.00 | XXXX | $997.50 |  |  |  |  |  | 6.448% | 6.448% | 6.448% | 02/28/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15861.00 |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 25.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063348 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7376.07 | $12767.40 |  | 9.504% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10194.66 | 1 | XXXX | $2252.88 | XXXX | $187.74 |  |  |  |  |  | 27.586% | 27.586% | 27.586% | 02/24/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11498.28 |  | 6.620% | $7492.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 19.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063349 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10100.00 | $11389.97 |  | 9.372% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15279.03 | 1 | XXXX | $1338.48 | XXXX | $111.54 |  |  |  |  |  | 32.775% | 32.775% | 32.775% | 03/12/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10100.00 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063350 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $15060.99 | $17920.45 |  | 8.108% | XXXX | XXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19492.40 | 2 | XXXX | $2510.04 | XXXX | $209.17 |  |  |  |  |  | 18.819% | 18.819% | 18.819% | 03/05/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15060.99 |  | 6.660% | $15750.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063351 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $14620.32 | $9585.72 |  | 10.110% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9553.34 | 1 | XXXX | $2331.60 | XXXX | $194.30 |  |  |  |  |  | 42.942% | 42.942% | 42.942% | 02/27/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14620.32 |  | 6.620% | $8000.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 26.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063352 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $3188.75 | $5954.69 |  | 9.081% | XXXX | XXXX | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5053.46 | 1 | XXXX | $817.32 | XXXX | $68.11 |  |  |  |  |  | 31.072% | 31.072% | 31.072% | 02/21/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3188.75 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.47 |  | No | No |  | $3739.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063353 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $17419.03 | $21043.75 |  | 9.605% | XXXX | XXXX | 9.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17353.10 | 1 | XXXX | $1503.12 | XXXX | $125.26 |  |  |  |  |  | 37.283% | 37.283% | 37.283% | 03/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 9.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17419.03 |  | 6.660% | $19708.50 |  |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.45 |  | No | No |  | $13834.45 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063354 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7395.46 | $9580.87 |  | 9.656% | XXXX | XXXX | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9568.72 | 1 | XXXX | $798.96 | XXXX | $66.58 |  |  |  |  |  | 42.068% | 42.068% | 42.068% | 03/07/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7395.46 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063355 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10860.00 | $12472.45 |  | 10.222% | XXXX | XXXX | 9.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $52342.67 | 1 | XXXX | $1708.08 | XXXX | $142.34 |  |  |  |  |  | 16.039% | 16.039% | 16.039% | 02/28/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10860.00 |  | 6.650% | $10000.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063356 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $15222.82 | $16363.41 |  | 10.447% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8518.64 | 1 | XXXX | $669.00 | XXXX | $55.75 |  |  |  |  |  | 34.544% | 34.544% | 34.544% | 03/04/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15222.82 |  | 6.650% | $11700.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 3.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063358 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $21540.00 | $30886.85 |  | 8.000% | XXXX | XXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19255.71 | 1 | XXXX | $3585.00 | XXXX | $298.75 |  |  |  |  |  | 49.471% | 49.471% | 49.471% | 03/31/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21540.00 |  | 6.620% | $10000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  | 120 |  |  |  |  | XX/XX/XXXX | XXXX | 38.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063359 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10615.50 | $14223.55 |  | 9.356% | XXXX | XXXX | 9.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8594.08 | 1 | XXXX | $2376.48 | XXXX | $198.04 |  |  |  |  |  | 34.894% | 34.894% | 34.894% | 04/02/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10615.50 |  | 6.650% | $12000.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063360 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $20921.74 | $11538.25 |  | 9.134% | XXXX | XXXX | 9.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $130689.40 | 1 | XXXX | $5619.96 | XXXX | $468.33 |  |  |  |  |  | 6.986% | 6.986% | 6.986% | 02/18/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20921.74 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 22.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.31 |  | No | No |  | $70252.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063361 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $5618.93 | $8485.78 |  | 9.437% | XXXX | XXXX | 9.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3351.48 | 1 | XXXX | $894.96 | XXXX | $74.58 |  |  |  |  |  | 40.485% | 40.485% | 40.485% | 02/18/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5618.93 |  | 6.620% | $6780.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063362 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $5957.14 | $7233.99 |  | 8.694% | XXXX | XXXX | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $125949.32 | 1 | XXXX | $1549.44 | XXXX | $129.12 |  |  |  |  |  | 12.579% | 12.579% | 12.579% | 04/04/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5957.14 |  | 6.620% | $40000.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 22.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063363 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $8959.77 | $11791.61 |  | 8.969% | XXXX | XXXX | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8208.52 | 1 | XXXX | $2169.84 | XXXX | $180.82 |  |  |  |  |  | 45.069% | 45.069% | 45.069% | 04/09/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.23000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8959.77 |  | 6.620% | $1750.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 22.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063364 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12952.30 | $8707.63 |  | 10.199% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6048.29 | 1 | XXXX | $1355.04 | XXXX | $112.92 |  |  |  |  |  | 39.390% | 39.390% | 39.390% | 03/27/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12952.30 |  | 6.620% | $9299.85 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063365 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $23782.06 | $29782.17 |  | 10.033% | XXXX | XXXX | 9.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $79038.09 | 1 | XXXX | $8511.96 | XXXX | $709.33 |  |  |  |  |  | 28.716% | 28.716% | 28.716% | 04/04/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23782.06 |  | 6.620% | $20000.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 8.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.24 |  | No | No |  | $58387.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063366 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $18065.91 | $31728.08 |  | 9.879% | XXXX | XXXX | 9.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36992.22 | 1 | XXXX | $1208.04 | XXXX | $100.67 |  |  |  |  |  | 43.708% | 43.708% | 43.708% | 04/04/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18065.91 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 7.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  |  | No |  | $5140.24 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063367 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $14890.93 | $7814.00 |  | 10.090% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23500.16 | 1 | XXXX | $3787.80 | XXXX | $315.65 |  |  |  |  |  | 33.477% | 33.477% | 33.477% | 03/14/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14890.93 |  | 6.700% | $1755.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063368 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $7391.50 | $8669.10 |  | 9.713% | XXXX | XXXX | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5709.62 | 1 | XXXX | $2510.04 | XXXX | $209.17 |  |  |  |  |  | 31.568% | 31.568% | 31.568% | 03/21/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7391.50 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 21.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063369 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $16680.69 | $21169.62 |  | 9.253% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16078.38 | 1 | XXXX | $1097.04 | XXXX | $91.42 |  |  |  |  |  | 48.537% | 48.537% | 48.537% | 03/20/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16680.69 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 29.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| 225063370 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $25586.84 | $29164.13 |  | 9.045% | XXXX | XXXX | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40446.40 | 1 | XXXX | $5183.04 | XXXX | $431.92 |  |  |  |  |  | 40.847% | 40.847% | 40.847% | 04/11/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25586.84 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.94 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| 225063371 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $13789.38 | $18689.64 |  | 8.225% | XXXX | XXXX | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $76765.08 | 1 | XXXX | $2121.00 | XXXX | $176.75 |  |  |  |  |  | 7.512% | 7.512% | 7.512% | 03/31/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13789.38 |  | 6.810% | $4000.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 5.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063372 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $9924.08 | $10617.22 |  | 10.417% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16278.92 | 1 | XXXX | $2100.00 | XXXX | $175.00 |  |  |  |  |  | 24.842% | 24.842% | 24.842% | 02/10/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9924.08 |  | 6.810% | $7950.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 19.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063373 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $10740.00 | $15402.75 |  | 9.794% | XXXX | XXXX | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14150.13 | 1 | XXXX | $1196.88 | XXXX | $99.74 |  |  |  |  |  | 25.123% | 25.123% | 25.123% | 03/13/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20675.74 |  | 6.810% | $12060.60 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063374 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $8955.16 | $5521.61 |  | 10.051% | XXXX | XXXX | 9.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15412.03 | 1 | XXXX | $1641.96 | XXXX | $136.83 |  |  |  |  |  | 23.194% | 23.194% | 23.194% | 04/29/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8955.16 |  | 6.880% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 32.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.06 |  |  | No |  | $9575.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063376 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11993.25 | $12406.01 |  | 8.144% | XXXX | XXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14458.91 | 1 | XXXX | $4581.00 | XXXX | $381.75 |  |  |  |  |  | 38.440% | 38.440% | 38.440% | 05/01/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11993.25 |  | 6.880% | $11100.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 16.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063377 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $9122.05 | $10859.88 |  | 10.478% | XXXX | XXXX | 9.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2983.05 | 1 | XXXX | $2943.00 | XXXX | $245.25 |  |  |  |  |  | 49.488% | 49.488% | 49.488% | 03/07/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 48.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9122.05 |  | 6.880% | $6540.00 |  |  |  |  | N/A | No | 9.875% | 2 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063378 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12973.60 | $16339.98 |  | 8.787% | XXXX | XXXX | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8130.03 | 1 | XXXX | $2120.40 | XXXX | $176.70 |  |  |  |  |  | 34.183% | 34.183% | 34.183% | 02/03/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12973.60 |  | 6.880% | $13579.74 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 14.530% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063379 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $16472.89 | $18303.92 |  | 9.859% | XXXX | XXXX | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15024.47 | 1 | XXXX | $2220.96 | XXXX | $185.08 |  |  |  |  |  | 32.022% | 32.022% | 32.022% | 04/10/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16472.89 |  | 6.740% | $5000.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063380 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $14108.41 | $16467.19 |  | 10.374% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35650.16 | 1 | XXXX | $2433.96 | XXXX | $202.83 |  |  |  |  |  | 13.958% | 13.958% | 13.958% | 05/02/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14108.41 |  | 6.740% | $7000.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 17.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063382 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $15070.20 | $17814.24 |  | 8.753% | XXXX | XXXX | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7764.53 | 1 | XXXX | $2181.72 | XXXX | $181.81 |  |  |  |  |  | 44.598% | 44.598% | 44.598% | 04/09/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15070.20 |  | 6.740% | $5000.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 11.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063383 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11641.45 | $13150.97 |  | 10.232% | XXXX | XXXX | 9.875% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20559.87 | 1 | XXXX | $2861.28 | XXXX | $238.44 |  |  |  |  |  | 31.467% | 31.467% | 31.467% | 05/05/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11641.45 |  | 6.740% | $13710.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 6.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.56 |  |  | No |  | $30000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063384 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $24463.75 | $23694.89 |  | 9.430% | XXXX | XXXX | 9.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29951.33 | 1 | XXXX | $4265.04 | XXXX | $355.42 |  |  |  |  |  | 44.130% | 44.130% | 44.130% | 04/18/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24463.75 |  | 6.740% | $40000.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 9.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063385 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12895.00 | $17363.09 |  | 9.913% | XXXX | XXXX | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22293.14 | 1 | XXXX | $3810.96 | XXXX | $317.58 |  |  |  |  |  | 41.707% | 41.707% | 41.707% | 05/06/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12895.00 |  | 6.740% | $39000.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 12.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063386 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $25006.36 | $27787.03 |  | 10.343% | XXXX | XXXX | 9.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $18422.03 | 1 | XXXX | $4220.04 | XXXX | $351.67 |  |  |  |  |  | 42.971% | 42.971% | 42.971% | 05/07/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25006.36 |  | 6.740% | $22000.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 18.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 7.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063387 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12135.10 | $13506.42 |  | 9.073% | XXXX | XXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5042.70 | 1 | XXXX | $1200.00 | XXXX | $100.00 |  |  |  |  |  | 46.453% | 46.453% | 46.453% | 03/03/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12135.10 |  | 6.880% | $85000.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 4.870% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063388 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $29679.61 | $34323.29 |  | 10.315% | XXXX | XXXX | 9.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $108230.53 | 1 | XXXX | $1337.40 | XXXX | $111.45 |  |  |  |  |  | 12.641% | 12.641% | 12.641% | 05/08/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 29.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29679.61 |  | 6.800% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.34 |  | No | No |  | $44910.94 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063389 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $5413.20 | $5989.22 |  | 10.135% | XXXX | XXXX | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6475.71 | 1 | XXXX | $1674.00 | XXXX | $139.50 |  |  |  |  |  | 39.855% | 39.855% | 39.855% | 02/23/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5413.20 |  | 6.870% | $5000.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 9.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063390 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $11137.03 | $13861.83 |  | 10.187% | XXXX | XXXX | 9.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3497.37 | 1 | XXXX | $1234.56 | XXXX | $102.88 |  |  |  |  |  | 49.839% | 49.839% | 49.839% | 04/28/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19818.30 |  | 6.870% | $9876.27 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 16.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063391 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $6092.62 | $9801.00 |  | 8.527% | XXXX | XXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18542.86 | 1 | XXXX | $324.00 | XXXX | $27.00 |  |  |  |  |  | 38.916% | 38.916% | 38.916% | 04/09/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6092.62 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 22.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| 225063392 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $22868.75 | $28556.65 |  | 11.050% | XXXX | XXXX | 10.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13391.85 | 1 | XXXX | $1404.00 | XXXX | $117.00 |  |  |  |  |  | 36.338% | 36.338% | 36.338% | 11/13/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2017 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22868.75 |  | 7.160% | $0.00 | 1 |  |  |  | No | No | 10.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 1.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 225063394 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $12018.57 | $16017.92 |  | 10.614% | XXXX | XXXX | 10.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13408.82 | 1 | XXXX | $1392.00 | XXXX | $116.00 |  |  |  |  |  | 40.465% | 40.465% | 40.465% | 06/10/2023 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12018.57 |  | 6.860% | $0.00 |  |  |  |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 23.190% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063395 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $5595.00 | $6816.73 |  | 9.216% | XXXX | XXXX | 8.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4164.85 | 1 | XXXX | $1130.04 | XXXX | $94.17 |  |  |  |  |  | 35.289% | 35.289% | 35.289% | 05/18/2017 | 554 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2017<br> [Borrower - \| Primary Income - Wages]; VVOE - 2017<br> [Borrower - \| Primary Income - Wages]; WVOE - 2017<br> [Borrower - \| Primary Income - Wages]; WVOE - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 - 2016<br> [Borrower - \| Primary Income - Wages]; W-2 - 2015 | [Borrower]; 4506 or 4506-T - Year Not Available<br> [Borrower]; 4506 or 4506-T - Year Not Available<br> [Borrower]; 4506 or 4506-T - Year Not Available<br> [Borrower]; 4506 or 4506-T - Year Not Available<br> [Borrower]; Transcripts (1040) - Year Not Available<br> [Borrower]; Transcripts (1040) - Year Not Available<br> [Borrower]; Transcripts (1040) - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5595.00 |  | 3.950% | $0.00 |  |  |  |  |  |  | 8.625% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.9 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063396 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $1390.00 | $2961.13 |  | 7.849% | XXXX | XXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8621.73 | 1 | XXXX | $2445.00 | XXXX | $203.75 |  |  |  |  |  | 26.810% | 26.810% | 26.810% | 01/02/2019 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Personal - 2018 | [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 4506 or 4506-T - 2014<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 4.850% | $0.00 | 3.1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 4 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 17.260% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063397 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $8911.00 | $4324.27 |  | 8.840% | XXXX | XXXX | 8.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4511.39 | 1 | XXXX | $2565.00 | XXXX | $213.75 |  |  |  |  |  | 40.014% | 40.014% | 40.014% | 01/15/2019 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50.000% |  |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| 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: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 4506 or 4506-T - 2015 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8911.00 |  | 4.480% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 2 | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.54 |  |  | No |  | $0.00 | $3730.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063398 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $4209.80 | $5640.70 |  | 8.594% | XXXX | XXXX | 8.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4334.09 | 1 | XXXX | $883.08 | XXXX | $73.59 |  |  |  |  |  | 43.594% | 43.594% | 43.594% | 11/16/2018 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [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 - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | XXXX | $4209.80 |  | 4.400% | $0.00 | 2.3 |  |  |  | No | No | 8.375% | 1 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.72 |  |  | No |  | $0.00 | $4912.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063399 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $17748.12 | $3730.29 |  | 7.266% | XXXX | XXXX | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $77524.35 | 1 | XXXX | $2157.96 | XXXX | $179.83 |  |  |  |  |  | 15.284% | 15.690% | 15.284% | 03/11/2019 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Borrower Prepared | [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: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17748.12 |  | 4.770% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063400 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $3540.00 | $2879.60 |  | 8.051% | XXXX | XXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4984.12 | 1 | XXXX | $463.20 | XXXX | $38.60 |  |  |  |  |  | 33.421% | 33.421% | 33.421% | 02/01/2019 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 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: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018 | [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 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3540.00 |  | 4.100% | $5100.00 | 2.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 41.830% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 225063401 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $10241.09 | $5697.42 |  | 8.822% | XXXX | XXXX | 8.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5536.90 | 1 | XXXX | $2333.04 | XXXX | $194.42 |  |  |  |  |  | 48.228% | 48.228% | 48.228% | 02/08/2019 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2019<br> [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 - \| Primary Income - Wages]; W-2 - 2016 | [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 | Full Documentation (F) | Full |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10241.09 |  | 4.310% | $0.00 | 1.1 |  |  |  | No | No | 8.375% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 456.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| 225063402 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $2423.25 | $4059.04 |  | 8.666% | XXXX | XXXX | 8.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4058.65 | 1 | XXXX | $720.96 | XXXX | $60.08 |  |  |  |  |  | 32.356% | 32.356% | 32.356% | 02/22/2019 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: ]; Account Statements - Personal - 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: ]; 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 - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2423.25 |  | 4.340% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063403 | XXXX | XXXX | XXXX | N/A |  |  |  | Yes | No | $5924.56 | $3842.80 |  | 8.980% | XXXX | XXXX | 8.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5869.80 | 1 | XXXX | $2319.84 | XXXX | $193.32 |  |  |  |  |  | 47.061% | 47.061% | 47.061% | 02/08/2019 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2019<br> [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]; WVOE - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 - 2016 | [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 | Full Documentation (F) | Full |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5924.56 |  | 4.310% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 299.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| 225063404 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $22298.50 | $10455.08 |  | 6.510% | XXXX | XXXX | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7843.30 | 1 | XXXX | $3280.68 | XXXX | $273.39 |  |  |  |  |  | 49.705% | 49.705% | 49.705% | 04/29/2019 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Personal - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2011<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2011 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22298.50 |  | 4.210% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225063405 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $22270.00 | $27702.92 |  | 7.280% | XXXX | XXXX | 7.210% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22298.09 | 1 | XXXX | $8038.08 | XXXX | $669.84 |  |  |  |  |  | 50.404% | 55.890% | 50.404% | 01/23/2019 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 94.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2018 | [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 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $22270.00 |  | 4.820% | $0.00 |  |  |  |  | N/A | No | 9.110% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078333 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2611.56 | XXXX | $217.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 100.34 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| 225078334 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1555.92 | XXXX | $129.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 180.62 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078335 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $1300.92 | XXXX | $108.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078336 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $500.04 | XXXX | $41.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  | 240 | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078337 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | XXXX | $2459.04 | XXXX | $204.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 19.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.76 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225078343 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | XXXX | $4011.96 | XXXX | $334.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/19/2024 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| 225078344 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $3036.00 | XXXX | $253.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 76.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 63.89 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| 225078345 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 8.875% | No | No |  | Non-Employment Income |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1573.56 | XXXX | $131.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXXX | 77.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 65.05 |  |  |  |  | $1776.45 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225078346 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | XXXX | $948.00 | XXXX | $79.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 110.37 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 |
| 225078347 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.999% | No | No |  |  | Non-Employment Income |  | 0 |  |  | Not Provided | US Citizen |  |  |  |  |  |  | 1 | XXXX | $1974.12 | XXXX | $164.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXXX | 47.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 50.32 |  |  |  |  | $1215.08 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225078349 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | XXXX | $2655.12 | XXXX | $221.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 9.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 13.11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 225078350 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXX | XXXX | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | XXXX | $722.04 | XXXX | $60.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 75.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078353 | XXXX | XXXX |  | N/A | Non QM | Yes |  | No | No | $22143.00 | $11034.58 |  | 8.529% | XXXX | XXXX | 8.125% | No | No | Not Employed | Not Employed | Self-Employed |  | 2.26 |  |  |  | Permanent Resident Alien |  |  |  |  |  | $3540.11 | 1 | XXXX | $1860.96 | XXXX | $155.08 |  |  |  |  |  | 39.427% | 39.427% | 39.427% | 01/16/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22143.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 0.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  | 8.05 |  |  | No |  | $5844.41 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225078354 | XXXX | XXXX |  | N/A | Non QM | Yes |  | No | No | $9971.68 | $8804.05 |  | 7.902% | XXXX | XXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5032.39 | 1 | XXXX | $2519.04 | XXXX | $209.92 |  |  |  |  |  | 15.089% | 15.089% | 15.089% | 01/09/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9971.68 |  | 6.730% | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | 2.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 225083310 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $1085.00 | $3278.14 |  | 5.611% | XXXX | XXXX | 5.587% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7418.45 | 1 | XXXX | $2958.96 | XXXX | $246.58 |  |  |  |  |  | 39.521% | 39.521% | 39.521% | 12/03/2021 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $1085.00 |  | 3.160% | $0.00 | 2.7 |  |  |  | No | No | 5.587% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 159.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.2

**Exhibit 99.** **2**

![](ex99-2_001.jpg)

**NARRATIVE**

**PRPM 2026-NQM1**

**By Canopy Financial Technology Partners LLC on February 18, 2026**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

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

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

![](ex99-2_001.jpg)

**Description of Services**

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

The Review consisted of a population of thirty (30) loans with an aggregate principal balance of $11,568,603.

**Loan Sampling**

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

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

**Data Integrity**

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

---

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

---

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---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

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· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

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

![](ex99-2_001.jpg)

**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

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

![](ex99-2_001.jpg)

---

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

---

---

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

---

---

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

---

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

![](ex99-2_001.jpg)

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 76.67% (23 loans) have an overall grade of "A" and 23.33% (7 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 76.67% or twenty-three (23) mortgage loans reviewed, and 23.33% (7 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00% or thirty (30) mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% or thirty (30) mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;76.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;23.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;76.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;23.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex99-2_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11568603.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11568603.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11568603.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11568603.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;36.67% | &nbsp;&nbsp;$3062800.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$2042400.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;$3274703.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$3188700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11568603.00** |

---

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

![](ex99-2_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11568603.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11568603.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;8 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;$5906200.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;22 | &nbsp;&nbsp;73.33% | &nbsp;&nbsp;$5662403.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11568603.00** |

---

**DATA COMPARISON RESULTS**

Of the thirty (30) mortgage Loan Files reviewed, six (6) unique loans (20.00% by number) had nine (9) tape comparison discrepancies across four (4) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;30 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;30 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;3.33% |

---

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

![](ex99-2_001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 741555 | 741555 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 479368 | 479368 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 163243 | 163243 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 747846 | 747846 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 213302 | 213302 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 599468 | 599468 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 136358 | 136358 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 606628 | 606628 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 184707 | 184707 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 579037 | 579037 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 242251 | 242251 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 944536 | 944536 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 412426 | 412426 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 895155 | 895155 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 650615 | 650615 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 432648 | 432648 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 861504 | 861504 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 784752 | 784752 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 388865 | 388865 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 419366 | 419366 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 644781 | 644781 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 429223 | 429223 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 449407 | 449407 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | 8.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 441488 | 441488 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 707397 | 707397 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 588162 | 588162 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 770340 | 770340 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 246047 | 246047 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | 7.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 418391 | 418391 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 8.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 495430 | 495430 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 747846 |  | 747846 | Prepayment Penalty Total Term | 36 | 0 |
| 419366 |  | 419366 | Prepayment Penalty Total Term | 36 | 0 |
| 419366 |  | 419366 | Primary Mortgage or Rent Times 30 | 0 | 1 |
| 747846 |  | 747846 | Property Type | Two to Four Unit | Single Family Detached |
| 184707 |  | 184707 | Property Type | Two to Four Unit | Single Family Detached |
| 432648 |  | 432648 | Property Type | PUD | Single Family Detached |
| 429223 |  | 429223 | Property Type | Two to Four Unit | Single Family Detached |
| 242251 |  | 242251 | Qualifying FICO | xxx | xxx |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 741555 |  | 741555 D A | Closed | FCRE1468 | 2025-06-07 13:52 | 2025-06-10 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Please see attached final CD from which the proceeds came from for the subject transaction. - Buyer-06/08/2025 <br>Open-Asset 2 Missing Missing signed FInal CD showing house sold - Due Diligence Vendor-06/07/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.91 Are Greater Than The Guideline Minimum Of 0.6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 479368 |  | 479368 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 163243 |  | 163243 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 747846 |  | 747846 D B A | Closed | FCRE8639 | 2025-09-11 02:11 | 2025-09-25 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE6321 | 2025-09-13 11:43 | 2025-09-13 11:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Contribution Does Not Meet Minimum Requirements | Waived- MINIMUM BORROWER CONTRIBUTION OF 5% REQUIRED FOR A TOTAL OF $xxx, BORROWER HAS CONTRIBUTED $xxx. - Due Diligence Vendor-09/13/2025 |  | Waived- MINIMUM BORROWER CONTRIBUTION OF 5% REQUIRED FOR A TOTAL OF $xxx, BORROWER HAS CONTRIBUTED $xxx. - Due Diligence Vendor-09/13/2025 |  | 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE1196 | 2025-09-13 11:40 | 2025-09-13 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE1195 | 2025-09-13 11:40 | 2025-09-13 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE1194 | 2025-09-13 11:40 | 2025-09-13 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 60% 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE1197 | 2025-09-13 11:40 | 2025-09-13 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 673 is less than Guideline FICO of 680 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  | Waived-Audited FICO of 673 is less than Guideline FICO of 680 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 747846 |  | 747846 D B A | Closed | FCRE2502 | 2025-09-13 11:31 | 2025-09-13 11:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived-Non-Arm's Length Transaction 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  | Waived-Non-Arm's Length Transaction 1. CREDIT DEPTH TO xxx<br> 2. BORROWER HAS LIVED AT CURRENT PRIMARY FOR 10 YEARS<br> 3. BORROWER IN SAME PROFESSION FOR 4 YEARS - Due Diligence Vendor-09/13/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 213302 |  | 213302 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 599468 |  | 599468 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 136358 |  | 136358 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 606628 |  | 606628 B A | Closed | FCRE1182 | 2025-09-29 11:39 | 2025-10-16 11:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 184707 |  | 184707 C A | Closed | FCRE7009 | 2025-10-02 10:57 | 2025-10-08 11:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved- - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. The attached Replacement Calculation ($xxx) is what it would cost to build the home using today's construction techniques (dry-wall instead of plaster, tempered glass instead of leaded glass, 2x4's instead of rough lumber). That is where the different comes in. The initial RCV that came in over $xxx was using the same construction techniques from when the home was built back in xxx. Nobody would use xxx construction techniques when rebuilding a dwelling in xxx. - Seller-10/07/2025 <br> Counter-Document Uploaded. TPR is questioning why the RCE in the loan file (page 312) states $xxx however the HOI Policy dwelling amount is $xxx - Subject is a 2 unit property, file only contains one policy. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Loan amount : xxx<br> HOI dwelling : xxx - Seller-10/03/2025 <br> Open-Hazard coverage $xxx required coverage $xxx and RCE $xxx - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. The attached Replacement Calculation ($xxx) is what it would cost to build the home using today's construction techniques (dry-wall instead of plaster, tempered glass instead of leaded glass, 2x4's instead of rough lumber). That is where the different comes in. The initial RCV that came in over $xxx was using the same construction techniques from when the home was built back in xxx. Nobody would use xxx construction techniques when rebuilding a dwelling in xxx. - Seller-10/07/2025 <br> Ready for Review-Loan amount : xxx<br> HOI dwelling : xxx - Seller-10/03/2025 |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 90.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 58.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 579037 |  | 579037 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 242251 |  | 242251 B A | Closed | FCRE1182 | 2025-10-01 08:56 | 2025-10-07 13:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/06/2025 <br> Counter-the condition is for missing the 1008 - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Per our Legal, no license is required for xxx xxx loans. - Buyer-10/06/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/01/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 944536 |  | 944536 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 412426 |  | 412426 B A | Closed | FCRE1200 | 2025-10-03 11:19 | 2025-10-06 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception in file for loan amount $xxx less than minimum $xxx - Due Diligence Vendor-10/03/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception in file for loan amount $xxx less than minimum $xxx - Due Diligence Vendor-10/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 101.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 895155 |  | 895155 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 650615 |  | 650615 B A | Closed | FCRE8201 | 2025-10-10 12:28 | 2025-10-10 12:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-TPR firm is requesting an exception on using a 1007 with weekly rent instead of a short term rental analysis, the appraiser gave a weekly rate of xxx making it a monthly rent of xxx. Exception needed for using 1007 form over short term rental analysis form. - Due Diligence Vendor-10/10/2025 |  | Waived-TPR firm is requesting an exception on using a 1007 with weekly rent instead of a short term rental analysis, the appraiser gave a weekly rate of xxx making it a monthly rent of xxx. Exception needed for using 1007 form over short term rental analysis form. - Due Diligence Vendor-10/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.31 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months | HIGH FICO, LOW LTV (NOT MAXING OUT IN THE PROGRAM), HIGH DSCR RATIO 3.32. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 432648 |  | 432648 D A | Closed | FCRE1258 | 2025-10-12 11:08 | 2025-10-16 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-AVM & CU score provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. 1 Full Appraisal + AVM or FNMA CU Risk score of 2.5 or less required per guidelines which is not found in file - Due Diligence Vendor-10/12/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-AVM & CU score provided - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 861504 |  | 861504 B A | Closed | FCRE1200 | 2025-10-20 14:14 | 2025-10-20 15:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception given for loan amount under $xxx pg 88 - Due Diligence Vendor-10/20/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception given for loan amount under $xxx pg 88 - Due Diligence Vendor-10/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 601.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 784752 |  | 784752 C B A | Closed | FCRE1200 | 2025-10-17 09:06 | 2025-10-21 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min $xxx Subject $xxx - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-10/20/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx As per Guideline Requirement minimum Loan Amount is xxx; documentation for exception is missing from the file - Due Diligence Vendor-10/17/2025 |  | Waived-Exception granted with supporting comp factors: Min $xxx Subject $xxx - Due Diligence Vendor-10/21/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 581.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Multiple accounts with history dating back to xxx<br> No lates<br> Max LTV 80% Subject 70% | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 388865 |  | 388865 C A | Closed | FCRE1482 | 2025-10-20 20:11 | 2025-10-29 14:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. New account with XX was less than a month old, which is why there wasn't a formal statement. New account form shows the account number that matches the transaction history page. No issue with no having a full month since funds were simply transferred from an account the borrower already had. - Buyer-10/28/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Account #xxx statement does not identify the financial institution and does not provide a full 30-day statement period - Per GL xxx requirement, account statements must reflect coverage for the most recent 30-day period. - Due Diligence Vendor-10/21/2025 |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 501.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 419366 |  | 419366 D B A | Closed | FCRE1158 | 2025-10-21 14:02 | 2025-10-23 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing insurance agent attachment for hazard insurance (page 569 OCR/430 PDF) - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.03% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 419366 |  | 419366 D B A | Closed | FCRE1197 | 2025-10-20 06:58 | 2025-10-21 13:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of xxx is less than Guideline FICO of xxx Lender exception to allow Cash out refinance with < xxx FICO. - Due Diligence Vendor-10/21/2025 | Page 363 OCR - 10/21/2025 <br>| Waived-Audited FICO of xxx is less than Guideline FICO of xxx Lender exception to allow Cash out refinance with < xxx FICO. - Due Diligence Vendor-10/21/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.03% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR of 1.07+<br> Low LTV<br> Post closing reserves > 90 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 644781 |  | 644781 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 429223 |  | 429223 D A | Closed | FCOM1233 | 2025-10-27 06:49 | 2025-10-29 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-10/28/2025 <br>Open-The Final 1003 is Incomplete Missing pages 2-7 of Final 1003, only pages 1 and 8 in file. - Due Diligence Vendor-10/28/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.08 Years | The Final 1003 is Incomplete | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 449407 |  | 449407 C A | Closed | FCRE1198 | 2025-10-30 11:04 | 2025-11-05 09:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.42 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. See the attached assets – to show that we are not short to close.<br>xxx<br> xxx - Seller-11/04/2025 <br> Counter- Final CD states CTC $xxx / Audited Assets xxx dated xxx & xxx totaling $xxx - 6 months reserves total $xxx- short reserves by -$xxx - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. See assets below – 6 mos. reserves. Reserves required $xxx<br>Total assets $xxx – xxx<br> Funds needed to close – $xxx – See attached Final SS showing funds needed to close.<br> Remaining funds - $xxx - Seller-10/31/2025 <br> Open-Audited Reserves of 1.42 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. See the attached assets – to show that we are not short to close.<br>xxx<br> xxx - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. See assets below – 6 mos. reserves. Reserves required $xxx<br>Total assets $xxx – xxx<br> Funds needed to close – $xxx – See attached Final SS showing funds needed to close.<br> Remaining funds - $xxx - Seller-10/31/2025 | Resolved-Audited Reserves of 7.42 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/05/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 441488 |  | 441488 D A | Closed | FCRE5116 | 2025-10-31 11:02 | 2025-11-04 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Rent Free Letter for Prior housing History, Bwr currently owns Primary home Free & Clear & Subject property is also free & Clear, also Vacant, Guides require Vacant Properties: Lesser of 70% LTV or LTV as stated on matrix based on Fico/Loan Amt. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing approved exception form with comp factors to accept rent free letter on investment property. File contains Scenario Request Form only. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025<br>| Resolved-Rent Free Letter for Prior housing History, Bwr currently owns Primary home Free & Clear & Subject property is also free & Clear, also Vacant, Guides require Vacant Properties: Lesser of 70% LTV or LTV as stated on matrix based on Fico/Loan Amt. - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 707397 |  | 707397 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 588162 |  | 588162 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 770340 |  | 770340 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 246047 |  | 246047 B A | Closed | FCRE1195 | 2025-11-17 05:19 | 2025-11-17 05:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 76.29% exceeds Guideline CLTV of 70% LTV/CLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO - Due Diligence Vendor-11/17/2025 |  | Waived-Audited CLTV of 76.29% exceeds Guideline CLTV of 70% LTV/CLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO - Due Diligence Vendor-11/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.08 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | xxx FICO<br> DTI 39.757% Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes xxx |  |  |  |  |  |  |  |  |  |  |  |
| 246047 |  | 246047 B A | Closed | FCRE1194 | 2025-11-17 05:19 | 2025-11-17 05:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 76.29% exceeds Guideline LTV of 70% LTV/CLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO - Due Diligence Vendor-11/17/2025 |  | Waived-Audited LTV of 76.29% exceeds Guideline LTV of 70% LTV/CLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO - Due Diligence Vendor-11/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.08 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | xxx FICO<br> DTI 39.757% Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes xxx |  |  |  |  |  |  |  |  |  |  |  |
| 246047 |  | 246047 B A | Closed | FCRE1199 | 2025-11-17 05:19 | 2025-11-17 05:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx LOAN AMOUNT - $xxx EXCEEDS THE MAX ALLOWED OF $xxx FOR USE OF OPTION 5 P&L ONLY - Due Diligence Vendor-11/17/2025 |  | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx LOAN AMOUNT - $xxx EXCEEDS THE MAX ALLOWED OF $xxx FOR USE OF OPTION 5 P&L ONLY - Due Diligence Vendor-11/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.08 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | xxx FICO<br> DTI 39.757% Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes xxx |  |  |  |  |  |  |  |  |  |  |  |
| 246047 |  | 246047 B A | Closed | FCRE1196 | 2025-11-17 05:19 | 2025-11-17 05:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 76.29% exceeds Guideline HCLTV of 70% LTV/HCLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO. - Due Diligence Vendor-11/17/2025 |  | Waived-Audited HCLTV of 76.29% exceeds Guideline HCLTV of 70% LTV/HCLTV 76.289 EXCEEDS THE MAX ALLOWED OF 70% BASED ON xxx FICO. - Due Diligence Vendor-11/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.08 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | xxx FICO<br> DTI 39.757% Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes xxx |  |  |  |  |  |  |  |  |  |  |  |
| 418391 |  | 418391 D A | Closed | FCRE4293 | 2025-12-02 10:59 | 2025-12-05 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Gift funds letter and proof of wire provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-File is missing copy of gift documentation: Gift letter in the amount of $xxx and evidence of transfer from donor's account to title company are missing from the file. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Gift funds letter and proof of wire provided. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 418391 |  | 418391 D A | Closed | FCRE1182 | 2025-12-01 05:05 | 2025-12-05 13:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 418391 |  | 418391 D A | Closed | FCRE1198 | 2025-12-01 05:05 | 2025-12-05 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.05 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/05/2025 <br> Ready for Review-All assets provided. - Seller-12/04/2025 <br> Open-Audited Reserves of 4.97 are less than Guideline Required Reserves of 6 Audited Reserves of $xxx are less than Guideline Required Reserves of $xxx. - Due Diligence Vendor-12/02/2025 | Ready for Review-All assets provided. - Seller-12/04/2025<br>| Resolved-Audited Reserves of 9.05 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 418391 |  | 418391 D A | Closed | FCRE1469 | 2025-12-01 05:00 | 2025-12-05 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Asset 3 Missing Missing statement for xxx reflecting a balance of $xxx as per final 1003. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 418391 |  | 418391 D A | Closed | FCRE1145 | 2025-12-01 04:00 | 2025-12-05 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Title Document is missing - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 418391 |  | 418391 D A | Closed | FCRE1157 | 2025-12-01 04:12 | 2025-12-05 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 495430 |  | 495430 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 741555 |  | 741555 | xxx D A |
| 479368 |  | 479368 | xxx A |
| 163243 |  | 163243 | xxx A |
| 747846 |  | 747846 | xxx D A B |
| 213302 |  | 213302 | xxx A |
| 599468 |  | 599468 | xxx A |
| 136358 |  | 136358 | xxx A |
| 606628 |  | 606628 | xxx B A |
| 184707 |  | 184707 | xxx C A |
| 579037 |  | 579037 | xxx A |
| 242251 |  | 242251 | xxx B A |
| 944536 |  | 944536 | xxx A |
| 412426 |  | 412426 | xxx B A |
| 895155 |  | 895155 | xxx A |
| 650615 |  | 650615 | xxx B A |
| 432648 |  | 432648 | xxx D A |
| 861504 |  | 861504 | xxx B A |
| 784752 |  | 784752 | xxx C A B |
| 388865 |  | 388865 | xxx C A |
| 419366 |  | 419366 | xxx D A B |
| 644781 |  | 644781 | xxx A |
| 429223 |  | 429223 | xxx A D |
| 449407 |  | 449407 | xxx C A |
| 441488 |  | 441488 | xxx D A |
| 707397 |  | 707397 | xxx A |
| 588162 |  | 588162 | xxx A |
| 770340 |  | 770340 | xxx A |
| 246047 |  | 246047 | xxx B A |
| 418391 |  | 418391 | xxx D A |
| 495430 |  | 495430 | xxx A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 741555 |  | 741555 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 78.3 | 78.3 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 479368 |  | 479368 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 77.87 | 77.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | 0.0 | .0000 | xxx | Other |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 163243 |  | 163243 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 747846 |  | 747846 | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213302 |  | 213302 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 599468 |  | 599468 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 136358 |  | 136358 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 606628 |  | 606628 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 184707 |  | 184707 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 58.88 | 58.88 | xxx | xxx | .3059 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .3059 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 579037 |  | 579037 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 77.17 | 77.17 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242251 |  | 242251 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944536 |  | 944536 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | -.0328 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0328 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 412426 |  | 412426 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 895155 |  | 895155 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 650615 |  | 650615 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.71 | 64.71 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 432648 |  | 432648 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0327 | 98.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 861504 |  | 861504 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 784752 |  | 784752 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | -.0086 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0086 | 94.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 388865 |  | 388865 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | -.0281 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0281 | 95.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 419366 |  | 419366 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.03 | 30.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 644781 |  | 644781 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .0067 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0067 | 97.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429223 |  | 429223 | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 69.06 | 69.06 | xxx | xxx | .0366 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0366 | 97.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449407 |  | 449407 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 441488 |  | 441488 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 707397 |  | 707397 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 588162 |  | 588162 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 770340 |  | 770340 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.95 | 79.95 | xxx | xxx | .0203 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0203 | 97.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 246047 |  | 246047 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 76.29 | 76.29 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .0588 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 418391 |  | 418391 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 495430 |  | 495430 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.56 | 33.56 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 741555 |  | 741555 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.361 | 1.361 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 51.12 | xxx | 51.12 | No | 78.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 479368 |  | 479368 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.16 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 327.68 | xxx | 329.69 | No | 77.87 | N/A | xxx | xxx | xxx | xxx | 2 |
| 163243 |  | 163243 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 110.52 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 747846 |  | 747846 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.051 | 1.051 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 2.21 | xxx | 2.21 | No | 75 | N/A | xxx | xxx | xxx | xxx | 2 |
| 213302 |  | 213302 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.26 | 1.26 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.65 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 599468 |  | 599468 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.27 | No | 75 | N/A | xxx | xxx | xxx | xxx | 2 |
| 136358 |  | 136358 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | xxx | Yes | 35.000% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.366 | 1.366 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.15 | xxx | 12.15 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 606628 |  | 606628 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.595 | 1.6 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.01 | xxx | 10.01 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 184707 |  | 184707 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.866 | 1.866 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 90.74 | No | 58.88 | N/A | xxx | xxx | xxx | xxx | 2 |
| 579037 |  | 579037 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.556 | 1.566 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.51 | xxx | 18.16 | No | 77.17 | N/A | xxx | xxx | xxx | xxx | 2 |
| 242251 |  | 242251 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.198 | 1.19 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 24.04 | xxx | 24.04 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 944536 |  | 944536 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.031 | 1.031 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 72.7 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 412426 |  | 412426 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.522 | 1.522 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 101.96 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 895155 |  | 895155 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 6.873% |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.76% | 42.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 42.80 | xxx | 42.8 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 650615 |  | 650615 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 3.163 | 3.16 | Yes | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.31 | No | 64.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 432648 |  | 432648 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 7.449% |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.52% | 41.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.07 | xxx | 10.07 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 861504 |  | 861504 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  | xxx | $0.00 | xxx |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.462 | 1.462 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 601.69 | xxx | 601.69 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 784752 |  | 784752 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.407 | 1.407 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States Of America&nbsp;&nbsp;&nbsp;&nbsp; | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 581.56 | xxx | 581.56 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 388865 |  | 388865 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.271 | 1.271 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 501.71 | xxx | 501.71 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 419366 |  | 419366 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.999% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.427 | 1.43 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.09 | xxx | 94.57 | No | 30.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 644781 |  | 644781 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 7.779% |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.16% | 30.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.07 | xxx | 14.07 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 429223 |  | 429223 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.198 | 1.199 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 70.73 | xxx | 70.73 | No | 69.06 | N/A | xxx | xxx | xxx | xxx | 4 |
| 449407 |  | 449407 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 8.949% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.97% | 46.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.42 | xxx | 7.42 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 441488 |  | 441488 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.273 | 1.25 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 104.27 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 707397 |  | 707397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 | 1.052 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 46.21 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 588162 |  | 588162 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.799 | 1.799 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 38.87 | xxx | 39.55 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 770340 |  | 770340 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 7.265% |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.70% | 42.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.04 | xxx | 18.04 | No | 79.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 246047 |  | 246047 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 7.829% |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.58% | 39.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 24 | Tax Preparer |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 79.08 | xxx | 79.08 | No | 76.29 | N/A | xxx | xxx | xxx | xxx | 1 |
| 418391 |  | 418391 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 8.714% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 33 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.52 | xxx | 9.05 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 495430 |  | 495430 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 6.788% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.54% | 49.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 78.89 | No | 33.56 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-NQM1**

**By Clarifii LLC on February 18, 2026**

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

![](ex99-3_002.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 209 loans (the "Loans") and these loans were subsequently acquired by PRP-Annex VI AIV, LLC (the "Client") for the PRPM 2026-NQM1 transaction. The loans referenced in this narrative report were reviewed 03/2025 through 12/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;$2513000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.83% | &nbsp;&nbsp;$4879826.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;197 | &nbsp;&nbsp;94.26% | &nbsp;&nbsp;$144496096.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

The Review consisted of a population of 209 loans, with an aggregate principal balance of $151,888,922.00.

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

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

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

**LOAN SAMPLING**

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

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| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |

---

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

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**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |

---

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

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |

---

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

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---

| |
|:---|
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject property ownership history

- Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan officer

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|9

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**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|10

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&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|11

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|13

![](ex99-3_002.jpg)

**ABILITY TO REPAY (ATR)**

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

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

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

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

All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|14

![](ex99-3_002.jpg)

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or <br> Acceptable UCDP Risk <br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|15

![](ex99-3_002.jpg)

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|16

![](ex99-3_002.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 149 | 71.29% |
| B | 60 | 28.71% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 209 | 100.00% |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 155 | 74.16% |
| B | 54 | 25.84% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 209 | 100.00% |

---

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|17

![](ex99-3_002.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 209 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 209 | 100.00% |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 202 | 96.65% |
| B | 7 | 3.35% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 209 | 100.00% |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;$420000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;208 | &nbsp;&nbsp;99.52% | &nbsp;&nbsp;$151468922.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;103 | &nbsp;&nbsp;49.28% | &nbsp;&nbsp;$96880736.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;$2248900.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;103 | &nbsp;&nbsp;49.28% | &nbsp;&nbsp;$52759286.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;86 | &nbsp;&nbsp;41.15% | &nbsp;&nbsp;$68231175.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;123 | &nbsp;&nbsp;58.85% | &nbsp;&nbsp;$83657747.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

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

![](ex99-3_002.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$151888922.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$2030000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;207 | &nbsp;&nbsp;99.04% | &nbsp;&nbsp;$149858922.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151888922.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;158 | &nbsp;&nbsp;94.94% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;40 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;1 | &nbsp;&nbsp;156 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;95.00% |

---

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

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;209 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;12 | &nbsp;&nbsp;160 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;153 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;5 | &nbsp;&nbsp;27 | &nbsp;&nbsp;81.48% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;167 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;6 | &nbsp;&nbsp;22 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;11 | &nbsp;&nbsp;178 | &nbsp;&nbsp;93.82% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;203 | &nbsp;&nbsp;78.33% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;207 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;156 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;201 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;163 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;167 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |

---

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

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;203 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;194 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;118 | &nbsp;&nbsp;197 | &nbsp;&nbsp;40.10% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;205 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;8 | &nbsp;&nbsp;38 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;176 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;207 | &nbsp;&nbsp;97.58% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;200 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;207 | &nbsp;&nbsp;90.82% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;167 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;193 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;207 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;24 | &nbsp;&nbsp;193 | &nbsp;&nbsp;87.56% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;45 | &nbsp;&nbsp;46.67% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;17 | &nbsp;&nbsp;36 | &nbsp;&nbsp;52.78% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;85.19% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;158 | &nbsp;&nbsp;99.37% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|21

![](ex99-3_002.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

PRPM 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \|22

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 555571 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 567361 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 578178 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 580010 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 582350 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6655.25 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7642.26 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 584677 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 585326 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 592830 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 35986 | 8.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11094.24 | Yes | Employed |  | No |  | No |  |
| XXXX | 592850 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 593110 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 81475 | 8.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34425.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 593155 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 594350 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15555 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13966.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 595345 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 595989 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 599285 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 604729 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 857822.98 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 646850 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3075 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18821.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 650972 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | Yes | 37940.98 | 9.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27199.62 | N/A | Employed |  | No |  | No |  |
| XXXX | 651176 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 5951.05 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 651221 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 652383 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 652414 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 17549.18 | 7.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5396.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 654670 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 654810 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 654894 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11775.08 | Yes | Employed |  | No |  | No |  |
| XXXX | 657149 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 657152 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 657170 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 657186 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 658506 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6955 | 8.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4881.02 | N/A | Employed |  | No |  | No |  |
| XXXX | 658714 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 661679 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 661681 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 19518.78 | 8.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10770.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 661755 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 661790 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 661817 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 16165 | 9.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15607.86 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 661856 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 662708 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 663497 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42797.22 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 664695 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 7.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78924.77 | N/A | Retired |  | No |  | No |  |
| XXXX | 664956 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 665989 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8875 | 8.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8384.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 665993 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 25345 | 9.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32998.14 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 666010 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 8547.27 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 666922 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 668305 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 668445 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 6964.7 | 8.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6435.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 669556 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 669587 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 670533 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 670621 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 670655 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 671300 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8931.5 | 8.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9339.44 | Yes | Employed |  | No |  | No |  |
| XXXX | 672026 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 672102 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10708.13 | 8.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4883.24 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 672113 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 673985 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 675859 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 675899 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15335 | 9.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26991.7 | Yes | Employed |  | No |  | No |  |
| XXXX | 676543 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 676751 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 29018.65 | 8.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13927.43 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 677598 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 18685.84 | 8.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17486.83 | Yes | Employed |  | No |  | No |  |
| XXXX | 677652 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5615 | 7.978 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9073.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 678431 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 32901.28 | 9.607 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10401.64 | N/A | Employed |  | No |  | No |  |
| XXXX | 679229 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 679267 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 680318 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21966.32 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 680332 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11825 | 7.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17251.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 681594 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 681979 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14225 | 8.006 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13400.59 | Yes | Employed |  | No |  | No |  |
| XXXX | 682778 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 683418 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 684061 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 37901.25 | 8.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31592.6 | N/A | Employed |  | No |  | No |  |
| XXXX | 684752 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12974.2 | 10.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12107.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 685388 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 36934.8 | 8.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23656.9 | N/A | Employed |  | No |  | No |  |
| XXXX | 685796 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 686781 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21600 | 7.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22293.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 694923 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 696471 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6776 | 8.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11895.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 696476 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7575 | 7.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5799.72 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 700655 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 713532 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11670 | 8.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21269.48 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 714178 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10025 | 8.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5951.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 714656 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 715167 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 11308.05 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 715319 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 715516 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 20747 | 8.88 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11006.82 | Yes | Employed |  | No |  | No |  |
| XXXX | 720544 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 720637 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 38435 | 8.767 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33937.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 722617 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11044.2 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19982.51 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 723914 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 724069 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 12434.12 | 8.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5175.38 | N/A | Employed |  | No |  | No |  |
| XXXX | 728678 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13791.5 | 9.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6850.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 730605 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 11913 | 8.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12337.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 731227 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15569 | 7.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27610.24 | Yes | Employed |  | No |  | No |  |
| XXXX | 733020 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 733062 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 733698 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 171304.51 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 734230 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 734254 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 734258 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 735627 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32103.63 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 735727 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 738081 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8193.25 | 8.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7971.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 738280 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 739218 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14298.75 | 7.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24135.35 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 739821 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 739950 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 744035 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 744204 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 744262 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 744270 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4265 | 8.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8465.37 | N/A | Employed |  | No |  | No |  |
| XXXX | 744280 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 745427 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 18151 | 9.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 185524.8 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 745931 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 30162.5 | 8.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 18895.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 747449 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14581.9 | 8.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12870.26 | N/A | Employed |  | No |  | No |  |
| XXXX | 747617 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 41212.5 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19471.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 747797 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 747947 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6334.88 | 7.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20072.53 | N/A | Employed |  | No |  | No |  |
| XXXX | 750220 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 751241 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 113844 | 7.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33149.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 751536 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 751746 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 61475 | 8.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 597309.18 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 754915 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 3627 | 9.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2213.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 759424 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 31075 | 9.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53253.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 761134 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36825 | 8.138 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 110577.17 | N/A | Employed |  | No |  | No |  |
| XXXX | 761162 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 762264 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 18721.25 | 9.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 128280.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 762960 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5291.54 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3245.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 764603 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9496.25 | 9.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12995.64 | N/A | Employed |  | No |  | No |  |
| XXXX | 764692 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 764880 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 90000 | 7.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 131603.13 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 769308 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 769311 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 13906.25 | 8.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10870.7 | N/A | Employed |  | No |  | No |  |
| XXXX | 771975 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7937.5 | 8.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5208.18 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 772367 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 81475 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 392650.19 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 772506 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6445 | 8.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15118.91 | Yes | Employed |  | No |  | No |  |
| XXXX | 772579 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 17070.14 | 9.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24565.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 772648 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 54180.53 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 773164 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 773221 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 12562.83 | 8.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25348.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 774790 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11842.5 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12690.34 | N/A | Employed |  | No |  | No |  |
| XXXX | 774930 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14543.75 | 8.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10545.55 | N/A | Employed |  | No |  | No |  |
| XXXX | 775665 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 776455 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 33858.98 | 9.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13288.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 777184 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17524.06 | 7.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6376.17 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 777671 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10287.38 | 8.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27642.55 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 778073 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 778076 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8784 | 7.704 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17569.83 | Yes | Employed |  | No |  | No |  |
| XXXX | 778795 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 779253 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33194.21 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 780494 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 14275 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 22278.27 | N/A | Employed |  | No |  | No |  |
| XXXX | 780535 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8916.04 | 8.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81508.64 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 781936 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 29525 | 8.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23166.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 781994 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8555 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8240.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 783944 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 33454 | 8.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18190.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 783957 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 31141.25 | 8.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24629.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 783986 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16637.34 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 786204 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10015 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6466.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 786219 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 21907.72 | 8.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43228.46 | N/A | Employed |  | No |  | No |  |
| XXXX | 787846 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 788377 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 71409.08 | 7.899 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78111.17 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 792527 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15755 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30489.2 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 792558 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 60675 | 7.744 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41991.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 793963 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 19475 | 6.86 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | N/A | 18141.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 798043 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2862.93 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 800760 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9929.88 | 7.866 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22690.09 | Yes | Employed |  | No |  | No |  |
| XXXX | 800770 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8281.25 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5607.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 803173 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12768.75 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18626 | Yes | Employed |  | No |  | No |  |
| XXXX | 804341 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29105 | 7.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 188426.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 808446 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4745 | 7.972 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27386.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 809573 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 809574 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 815449 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 817432 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8646.5 | 6.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40001.52 | Yes | Employed |  | No |  | No |  |
| XXXX | 830531 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15032.5 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12700.51 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 834169 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28594.5 | 7.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 152153.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 835696 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 838263 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13893 | 7.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15134.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 838266 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10896 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22904.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 838268 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 31235.58 | 7.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18321.42 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 840191 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31800.67 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 840193 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10936.63 | 7.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12909.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 841315 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12100 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11950.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 841545 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13201.25 | 8.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13195.56 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 841546 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3015 | 8.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4930.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 847115 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3813.7 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6140.89 | Yes | Employed |  | No |  | No |  |
| XXXX | 848549 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10343.69 | 8.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15890.82 | N/A | Employed |  | No |  | No |  |
| XXXX | 848550 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10451.98 | 8.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39545.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 849235 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26872.67 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 850731 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 852934 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13490 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58703.82 | N/A | Employed |  | No |  | No |  |
| XXXX | 852937 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13934.84 | 8.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10876.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 852939 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 854723 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10838.42 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 856294 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 857920 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 45595 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77648.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 857922 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25363.75 | 7.6 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30071.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 857923 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 857933 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 13102.5 | 8.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7453.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 863915 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 865467 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 867470 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 12319 | 8.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8581.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 870590 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5470 | 7.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4396 | Yes | Employed |  | No |  | No |  |
| XXXX | 870593 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 872223 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 16065 | 7.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10088.08 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 872230 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 11527.5 | 9.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51818.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 874191 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 874200 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25714.88 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 555571 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 555571 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 555571 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire |
| XXXX | 555571 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per l003 and 1008 |
| XXXX | 567361 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.613 | 0.74 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| XXXX | 578178 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 580010 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 580010 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 582350 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in File |
| XXXX | 584677 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 585326 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 592830 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 593110 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 593110 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 593155 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.771 | 0.811 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| XXXX | 595345 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 595345 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 595345 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 595989 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 604729 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | 604729 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 14 | 16 | Per 1003 |
| XXXX | 646850 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 646850 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 646850 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.74 | 51.39 | true data DTI match the 1008 |
| XXXX | 651176 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 651221 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 652383 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 652383 | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal. |
| XXXX | 652414 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 652414 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 654670 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 654670 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 81.25 | 65.00 | Per appraisal and exception in file. Loan amount/Appraised value |
| XXXX | 654670 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 81.25 | 65.00 | Per appraisal and exception in file. Loan amount/Appraised value |
| XXXX | 654670 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | 654810 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 654810 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | 654810 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Condo Questionnaire and appraisal |
| XXXX | 654810 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 654810 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 654894 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 654894 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 657186 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 657186 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 657186 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per PCCD |
| XXXX | 657186 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.138 | 1.078 | Market rent/PITIA |
| XXXX | 661679 | XXXX | XXXX | Property Type | propertyValuationPage | Manufactured Home - DW | ManufacturedHousing | per appraisal report |
| XXXX | 661681 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 661681 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.31 | 26.93 | Audit calculated higher expenses. |
| XXXX | 661755 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 661790 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 661790 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 661817 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 661856 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 663497 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 664695 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 664956 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 664956 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 665989 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 665993 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 666010 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per exxecuted note in file. |
| XXXX | 666010 | XXXX | XXXX | Property Type | propertyValuationPage | Manufactured Home - Multi Wide | ManufacturedHousing | Per Appraisal |
| XXXX | 666922 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 666922 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.54 | 0.74 | Market rent/PITIA, calculation not provided from Lender |
| XXXX | 668445 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 669556 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per Appraisal |
| XXXX | 669556 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.897 | 0.881 | Lender included HOA monthly payment.There is no HOA per Appraisal. |
| XXXX | 669587 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 669587 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo docs condotel; short term rental |
| XXXX | 669587 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Condo Questionnaire |
| XXXX | 670533 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 670533 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per Appraisal |
| XXXX | 670621 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note in file |
| XXXX | 670621 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Borrowers are FN per loan application and loan docs |
| XXXX | 670621 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Borrowers are FN per loan application and loan docs |
| XXXX | 670655 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 670655 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 670655 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal report |
| XXXX | 672026 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 672026 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 672026 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX | 672102 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 672102 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.86 | 26.59 | Audit income calc lower than lender's calc due to lender used XXm of bank statement deposits and divided by XXm vs XXm). |
| XXXX | 673985 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 675859 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 675859 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and lender approval |
| XXXX | 675859 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and lender approval |
| XXXX | 675859 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 12.36 | DSCR loan |
| XXXX | 675899 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 676543 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 676543 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 676751 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.5 | 37.76 | True DTI is within 2% of Lender 1008 and Loan Approval |
| XXXX | 677598 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 677598 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 677598 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.57 | 21.53 | Variance due to property B fully qualified PITI. |
| XXXX | 677652 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER NOTE |
| XXXX | 678431 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 678431 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.94 | 41.93 | Lender did not use 1% for student loan payments |
| XXXX | 679229 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 679229 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 679267 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 680318 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 680318 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.55 | 19.47 | Rent loss from 3c was not included in lender's calculation. |
| XXXX | 680332 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 681594 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 681594 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 681594 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 681594 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.603 | 0.528 | market rent/PITIA |
| XXXX | 681979 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 682778 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| XXXX | 682778 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 445785.64 | -445889.54 | per Settlement Statement |
| XXXX | 683418 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 683418 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| XXXX | 683418 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 941.01 | DSCR |
| XXXX | 684752 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.95 | 7.00 | Per asset statements |
| XXXX | 684752 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6827.95 | 6719.61 | tape does not Include HOA |
| XXXX | 685388 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 685796 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 685796 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | FN per loan application, lender approval |
| XXXX | 686781 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 694923 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Attached | per appraisal report |
| XXXX | 694923 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 19.22 | 43.00 | Per asset statements in file |
| XXXX | 694923 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2899.69 | 2288.69 | HOA dues incl |
| XXXX | 696471 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 696471 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 709 | 702 | Per Credit Report |
| XXXX | 696471 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2302.99 | 2199.99 | HOA dues |
| XXXX | 696471 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1 | Not a DSCR loan |
| XXXX | 696476 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 700655 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 700655 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Final CD |
| XXXX | 700655 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 713532 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 24579.77 | 25834.66 | Lender recalculated income post close |
| XXXX | 713532 | XXXX | XXXX | Borrower 2 Qualifying Income | employmentIncomePage | 6192.75 | 6214.14 | Audit calculated less income |
| XXXX | 713532 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 791 | 801 | Per Credit Report |
| XXXX | 714178 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 714178 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 46.72 | 50.27 |  |
| XXXX | 714178 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 714656 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 714656 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 715516 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 720544 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 720637 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 722617 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 |
| XXXX | 723914 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 723914 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 724069 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 728678 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 730605 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | ATR/QM: Exempt | Purchase primary |
| XXXX | 731227 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 733020 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 733020 | XXXX | XXXX | Borrower 2 SSN | the1003Page | XXXX | XXXX | Foreign national per 1003 |
| XXXX | 733020 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003. |
| XXXX | 733020 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | per 1008 and 1003 |
| XXXX | 733062 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 733062 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per Audit |
| XXXX | 733062 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documentation |
| XXXX | 734230 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 734254 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 734254 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 734258 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 735627 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 735727 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 738081 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 739218 | XXXX | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per Loan Estimate |
| XXXX | 739821 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 739950 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 739950 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 43.84 | DSCR Loan |
| XXXX | 744035 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 744035 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 744204 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 744204 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | 744204 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 744204 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1008 and 1003 |
| XXXX | 744262 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 744262 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final cd |
| XXXX | 745427 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 745931 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 747449 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 750220 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 750220 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | 751241 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 751241 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 751536 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 751536 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 751536 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire |
| XXXX | 751536 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | per 1008 and 1003 |
| XXXX | 751746 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 754915 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 754915 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo docs |
| XXXX | 759424 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 759424 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | 761134 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 761134 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 761162 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 761162 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 761162 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2697.50 | DSCR |
| XXXX | 762264 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 762960 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 764603 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 764692 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | NOTE |
| XXXX | 764692 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | e-mail confirmed |
| XXXX | 764692 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | 764880 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 769308 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per note |
| XXXX | 769308 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final CD |
| XXXX | 769308 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 769308 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| XXXX | 769311 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 769311 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 771975 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 771975 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 771975 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire & Appraisal |
| XXXX | 771975 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per Appraisal |
| XXXX | 772367 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 772367 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 772506 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 772579 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 772579 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 773164 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 773221 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 773221 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 776455 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 776455 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 777184 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 777184 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 777671 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 777671 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.49 | 40.82 | Variance as Lender included pending sale departure residence in DTI |
| XXXX | 778073 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file |
| XXXX | 778073 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 in file |
| XXXX | 778073 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 5468.29 | DSCR Loan |
| XXXX | 778076 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 778795 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 60.87 | 67.00 | Per Asset docs. |
| XXXX | 778795 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 4607.53 | 12759.33 | Per Asset docs. |
| XXXX | 780494 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 780494 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 780535 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 780535 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Permanent Resident Alien | USCitizen | Per 1008 and 1003 and citizenship docs |
| XXXX | 780535 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.27 | 4.26 | Audit calculated lower income |
| XXXX | 781994 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 781994 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.57 | 34.75 | lender added negative cash flow for subj per the 1008 (most likely duplicating taxes/ins on subj) |
| XXXX | 783986 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 786204 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 786219 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 787846 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 787846 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial loan application |
| XXXX | 787846 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 834.96 | DSCR Loan |
| XXXX | 788377 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 792527 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 792527 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo Questionnaire |
| XXXX | 792558 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 792558 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 793963 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 793963 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.42 | 28.54 | Lender used updated debts from Gap credit report |
| XXXX | 798043 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 798043 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 798043 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.11 | 25.71 | Audit REO calc. matches the 1003 |
| XXXX | 800760 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 800770 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 804341 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 808446 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 808446 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.65 | 23.46 | auditor income is lower then lender |
| XXXX | 815449 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 75.77 | 164.00 | Audit used all available assets. |
| XXXX | 815449 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.021 | 0.8163 | Audit DSCR matches Lender DSCR from 1008 |
| XXXX | 817432 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 830531 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 834169 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 187123.35 | 197443.34 | Audit did not include the income from Business 1b from 1003 |
| XXXX | 834169 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 187123.35 | 197443.34 | Audit did not include the income from Business 1b from 1003 |
| XXXX | 834169 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 73.41 | 50.00 | per bank statements |
| XXXX | 834169 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 1216324.09 | 928753.43 | per bank statements |
| XXXX | 835696 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Final 1003 and 1008 |
| XXXX | 835696 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | 72 | Per Note |
| XXXX | 838263 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 838263 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 21723.43 | 28964.57 | Income variance as based on 75% business ownership as per CPA letter. |
| XXXX | 838263 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 21723.43 | 28964.57 | Income variance as based on 75% business ownership as per CPA letter. |
| XXXX | 838263 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 838263 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 196322.82 | 189087.10 | Per bank statements |
| XXXX | 838263 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.69 | 15.00 | per bank statements |
| XXXX | 838263 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.33 | 24.81 | Income variance as based on 75% business ownership as per CPA letter. |
| XXXX | 838266 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Primary Residence |
| XXXX | 840191 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 264711.25 | 220627.63 | Per asset statements in file |
| XXXX | 840191 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.47 | 23.00 | Per asset statements in file |
| XXXX | 840191 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.4732 | not DSCR loan |
| XXXX | 840193 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 510609.92 | 516783.00 | per bank statements |
| XXXX | 840193 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 44.77 | 48.00 | per bank statements |
| XXXX | 840193 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | Non-QM: Lender documented all ATR UW factors | QM Safe harbor |
| XXXX | 841315 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 841315 | XXXX | XXXX | Sales Price | propertyValuationPage | XX | XX | Per purchase contract and CD |
| XXXX | 841545 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| XXXX | 841545 | XXXX | XXXX | Borrower 2 Qualifying Income | employmentIncomePage | 14580.3 | 17669.01 | Variance due to lower income |
| XXXX | 841545 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 20426.91 | 22476.07 | variance due to lower income |
| XXXX | 841545 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 5846.61 | 4807.06 | Variance due to B1 higher income |
| XXXX | 841545 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 88883.13 | 97787.54 | per guidelines, audit used 70% of the 401K |
| XXXX | 841545 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.91 | 20.00 | per guidelines, audit used 70% of the 401K |
| XXXX | 841545 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.4 | 32.13 | Variance due to lower income |
| XXXX | 841545 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | primary residence |
| XXXX | 841546 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 85314.85 | 116.99 | per bank statement and net proceeds from previous property |
| XXXX | 841546 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.01 | 13.00 | per bank statement |
| XXXX | 841546 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | primary |
| XXXX | 847115 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Subject is a primary residence |
| XXXX | 848550 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 849235 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | DOT and Final CD |
| XXXX | 849235 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 38811.68 | 38355.97 | per pay stubs |
| XXXX | 849235 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 38811.68 | 38355.97 | per pay stubs |
| XXXX | 849235 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 59.38 | 56.00 | per bank statements |
| XXXX | 849235 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 304940.5 | 205051.61 | per bank statements |
| XXXX | 849235 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.76 | 36.60 | Lender used Full Balance of 30-Day Account for Monthly Payment |
| XXXX | 850731 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 850731 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 852934 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 852934 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 95096.02 | 109288.22 | only 50% of business account can be used |
| XXXX | 852934 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.32 | 7.00 | only 50% of business account can be used |
| XXXX | 852934 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.92 | 19.43 | balances of collection accts - audit used 5% |
| XXXX | 852934 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | primary |
| XXXX | 852937 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | per 1003 |
| XXXX | 852937 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.52 | 25.00 | per bank statements |
| XXXX | 852937 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 138169.7 | 40185.10 | per bank statements |
| XXXX | 852939 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD/Settlement Statement |
| XXXX | 852939 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 465106.36 | 296887.48 | per asset documentation |
| XXXX | 852939 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 36.2 | 5.00 | per asset documentation |
| XXXX | 852939 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.345 | 0.7917 | Asset Depletion with DSCR |
| XXXX | 854723 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 854723 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 179487.59 | 136373.08 | Per Asset documentation |
| XXXX | 854723 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 18.27 | 13.00 | Per Asset documentation |
| XXXX | 857920 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | per tape and loan approval |
| XXXX | 857920 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Subject is a primary residence |
| XXXX | 857920 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.54 | 6.00 | using cash out for reserves |
| XXXX | 857922 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 373097.93 | 360401.13 | Per Asset documentation |
| XXXX | 857922 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.91 | 5.00 | Per Asset documentation |
| XXXX | 857923 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 857923 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 53.54 | 107.00 | per bank statements |
| XXXX | 857933 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 857933 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.05 | 9.00 | per bank statements |
| XXXX | 863915 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 96.26 | 6.00 | Cash out proceeds |
| XXXX | 863915 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.129 | 1.0398 | Lender did not provide DSCR calc for comparison |
| XXXX | 865467 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 178708.98 | 357417.96 | per bank statements |
| XXXX | 865467 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 2.36 | 56.00 | per bank statements |
| XXXX | 870590 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 56.68 | 0.00 | cash out proceeds |
| XXXX | 870593 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement statement. |
| XXXX | 872223 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 121502.67 | 167218.39 | Per asset statements in file |
| XXXX | 872223 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.34 | 19.00 | Per asset statements in file |
| XXXX | 874191 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement statement |
| XXXX | 874191 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 147740.1 | 82740.10 | Per asset statements |
| XXXX | 874200 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 250471.89 | 256830.66 | Per asset statements in file |
| XXXX | 874200 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 27.66 | 45.00 | Per asset statements in file |
| XXXX | 874200 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.54 | 30.33 | Lender did not include the new REO |
| XXXX | 874200 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 555571 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 567361 | XXXX C A | Closed | FCRE9999 | 2025-04-16 08:10 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved- the loan is vested in a LLC, only the sole member of the LLC is required to sign the mortgage. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-04/16/2025 <br>Open-Missing Borrowers Name - Due Diligence Vendor-04/16/2025 |  | Resolved- the loan is vested in a LLC, only the sole member of the LLC is required to sign the mortgage. - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 2 months minimum reserve requirement, borrower has 173.91 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, borrowers mid score is 820 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3876363 |
| XXXX | 578178 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 580010 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 582350 | XXXX D A | Closed | FCRE1316 | 2025-04-24 10:24 | 2025-04-30 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Upon further review the CPA letter is dated. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. The CPA is dated. Please refer to the date in the center/heading below the CPA's name. - Seller-04/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing final VOE - CPA letter does not reflect a date. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. The CPA is dated. Please refer to the date in the center/heading below the CPA's name. - Seller-04/28/2025<br>| Resolved-Upon further review the CPA letter is dated. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 744 and minimum allowed is 640.<br>Qualifying DTI below maximum allowed - DTI is 26.42% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3950421 |
| XXXX | 582350 | XXXX D A | Closed | FCRE1194 | 2025-04-24 09:57 | 2025-04-30 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received revised Appraisal reflect stable. Appraiser provided new commentary stating overall stable market. Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Please see attached revised appraisal. - Seller-04/28/2025 <br>Open-Audited LTV of 65% exceeds Guideline LTV of 60% Max LTV for Manufacture Home = 65%. Declining Value 5% LTV reduction = Max LTV 60%. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please see attached revised appraisal. - Seller-04/28/2025<br>| Resolved-Received revised Appraisal reflect stable. Appraiser provided new commentary stating overall stable market. Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 744 and minimum allowed is 640.<br>Qualifying DTI below maximum allowed - DTI is 26.42% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3950004 |
| XXXX | 582350 | XXXX D A | Closed | FCRE1152 | 2025-04-24 09:10 | 2025-04-25 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax was provided. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025 <br>Open-Missing Evidence of Property Tax Missing property tax form and calculation to support monthly taxes used for calculation. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025<br>| Resolved-Evidence of Property Tax was provided. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 744 and minimum allowed is 640.<br>Qualifying DTI below maximum allowed - DTI is 26.42% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3949274 |
| XXXX | 582350 | XXXX D A | Closed | FCRE0044 | 2025-04-24 10:32 | 2025-04-25 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOE not required for inquiries outside of the 90-days. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-The credit report was completed on XXXX and the inquiry is dated XXXX. Please note per guidelines, section 4.5 Credit Inquiries: Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. The only inquiry on the borrowers' credit report is over 111 days old, therefore, a letter of explanation was not required. - Seller-04/24/2025 <br> Open-LOX for credit inquiries is missing. Missing Inquiry letter. - Due Diligence Vendor-04/24/2025 | Ready for Review-The credit report was completed on XXXX and the inquiry is dated XXXX. Please note per guidelines, section 4.5 Credit Inquiries: Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. The only inquiry on the borrowers' credit report is over 111 days old, therefore, a letter of explanation was not required. - Seller-04/24/2025 | Resolved-LOE not required for inquiries outside of the 90-days. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 744 and minimum allowed is 640.<br>Qualifying DTI below maximum allowed - DTI is 26.42% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3950537 |
| XXXX | 582350 | XXXX D A | Closed | FCRE1510 | 2025-04-18 14:36 | 2025-04-25 16:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The legal description with the Mortgage Document (Deed of Trust) was provided. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Exhibit A; Legal Description - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025<br>| Resolved-The legal description with the Mortgage Document (Deed of Trust) was provided. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 744 and minimum allowed is 640.<br>Qualifying DTI below maximum allowed - DTI is 26.42% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3904368 |
| XXXX | 584677 | XXXX C B A | Closed | FCRE1498 | 2025-04-25 11:52 | 2025-04-25 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/25/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender exception granted - First time investor guidelines - Borrower must currently own a primary residence for at least one year. Borrower currently rents primary residence with a verified 24m housing history, but does not currently own their primary home, which was sold XXXX. - Due Diligence Vendor-04/25/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/25/2025<br>| Credit history exceeds minimum required - 24+ month housing history, 0X30.<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 4.84m PITIA. | 1. 24+ month housing history, 0X30.<br> 2. Guide update. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3964231 |
| XXXX | 585326 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 592830 | XXXX D B A | Closed | FCRE1157 | 2025-04-30 09:27 | 2025-05-02 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Please see attached. - Seller-05/01/2025 <br> Open-HOI is missing for XXXX - Due Diligence Vendor-04/30/2025 | Ready for Review-Please see attached. - Seller-05/01/2025<br>| Resolved-Received HOI. - Due Diligence Vendor-05/02/2025<br>| Months Reserves exceed minimum required - 6 month reserve requirement, borrower has 106.93 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.45% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4002457 |
| XXXX | 592830 | XXXX D B A | Closed | FCRE6763 | 2025-04-30 11:40 | 2025-04-30 11:42 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Using cash receipts for proof of receiving rental income for 2 mo's. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-04/30/2025 |  | Waived-Using cash receipts for proof of receiving rental income for 2 mo's. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - 6 month reserve requirement, borrower has 106.93 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.45% | DTI is more than 5% below max allowed<br> 24 mo clean credit<br> 4+ years in primary residence<br> 5+ years verified employment history. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4004766 |
| XXXX | 592830 | XXXX D B A | Closed | FCRE1197 | 2025-04-30 09:25 | 2025-04-30 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 656 is less than Guideline FICO of 660 Score is 656 with min required of 660<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-04/30/2025 |  | Waived-Audited FICO of 656 is less than Guideline FICO of 660 Score is 656 with min required of 660<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - 6 month reserve requirement, borrower has 106.93 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.45% | DTI is more than 5% below max<br> 24 months clean credit<br> 4+ yrs in primary residence<br> 5+ yr verified employment history | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4002446 |
| XXXX | 592850 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 593110 | XXXX C B A | Closed | FCRE1199 | 2025-04-30 11:20 | 2025-04-30 15:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/30/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Exception Request in file to exceed XXXX - Due Diligence Vendor-04/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 9 months, borrower has 11 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 714 | 3+ months reserves<br> DTI is 5% lower than max allowed<br> 4 years on job | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4004374 |
| XXXX | 593110 | XXXX C B A | Closed | finding-3634 | 2025-04-29 13:02 | 2025-04-30 15:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Resolved. Lender provided credit of $15.65 for increase in closing costs above legal limit - Due Diligence Vendor-04/30/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.65.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Resolved. Lender provided credit of $15.65 for increase in closing costs above legal limit - Due Diligence Vendor-04/29/2025 |  | Resolved------ Resolved. Lender provided credit of $15.65 for increase in closing costs above legal limit - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 9 months, borrower has 11 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 714 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3994443 |
| XXXX | 593110 | XXXX C B A | Closed | FCOM1621 | 2025-04-29 13:39 | 2025-04-29 13:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. Flood Insurance is in Escrow, IEAD included in file does not reflect this. <br> - Due Diligence Vendor-04/29/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. Flood Insurance is in Escrow, IEAD included in file does not reflect this. <br> - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 9 months, borrower has 11 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 714 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3995134 |
| XXXX | 593155 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 594350 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 595345 | XXXX C A | Closed | FCRE1510 | 2025-05-01 14:22 | 2025-05-06 15:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 1.66m.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4018906 |
| XXXX | 595989 | XXXX C B A | Closed | FPRO1249 | 2025-05-06 07:33 | 2025-05-06 08:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial subject property less than XX acres, B1 has 44 months reserves. - Due Diligence Vendor-05/06/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception provided. Loan program does not allow rural properties. - Due Diligence Vendor-05/06/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial subject property less than 2 acres, B1 has 44 months reserves. - Due Diligence Vendor-05/06/2025<br>| Long term residence - B1 living in primary home for 3.5 years <br>Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 44.07 mths | Reserves 3+ months above minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4053617 |
| XXXX | 599285 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 604729 | XXXX C B A | Closed | FCRE1492 | 2025-05-13 10:04 | 2025-05-13 11:21 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow exposure to exceed guidelines, Non-material waiver applied with comp factors. non-material due to Borrower has no lates on mortgage. - Due Diligence Vendor-05/13/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Lenders Exception for Exposure over 10 loans/7.5 million - Due Diligence Vendor-05/13/2025 |  | Waived-Originator exception granted to allow exposure to exceed guidelines, Non-material waiver applied with comp factors. non-material due to Borrower has no lates on mortgage. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 751 is higher than the required 700<br>Qualifying DTI below maximum allowed - DTI 9.07% is lower than allowable 50% | FICO 20 points or more above requirement<br> Total debts 10% or more under the requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4125997 |
| XXXX | 646850 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 650972 | XXXX D A | Closed | FCRE5782 | 2025-06-20 06:29 | 2025-06-24 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the credit report used for qualification is dated within 10 days. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-The subject loan disbursed on XXXX and the credit report delivered with the loan file is dated XXXX(page 272 of uploaded file). The timeline is within 10 days of the funding date. An additional supplement/gap report/refresh is not required. - Seller-06/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing credit supplement for borrower. - Due Diligence Vendor-06/20/2025 | Ready for Review-The subject loan disbursed on XXXX and the credit report delivered with the loan file is dated XXXX (page 272 of uploaded file). The timeline is within 10 days of the funding date. An additional supplement/gap report/refresh is not required. - Seller-06/21/2025 | Resolved-Upon further review, the credit report used for qualification is dated within 10 days. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Verified assets of 9.67 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 30.XX is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4507904 |
| XXXX | 651176 | XXXX D B C A | Closed | FPRO1253 | 2025-06-20 15:05 | 2025-06-24 14:03 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received AVM supporting the appraised value within 10% tolerance. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Please see attached AVM which has a value within 10% of the Appraised Value - Seller-06/23/2025 <br>Open-Provide Desk Review, per lender guides. (If both scores, CU & LCA provided, both required to be 2.5 or less, and LCA in file is > 2.5). - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached AVM which has a value within 10% of the Appraised Value - Seller-06/23/2025<br>| Resolved-Received AVM supporting the appraised value within 10% tolerance. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 13.8m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 767. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4516304 |
| XXXX | 651176 | XXXX D B C A | Closed | FCRE8201 | 2025-06-20 09:46 | 2025-06-20 15:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow WVOIE only on investment, Non-material waiver applied with comp factors. non-material due to borrower has been at the company for 15 years. - Due Diligence Vendor-06/20/2025 <br>Open-Lender Exception Granted: Approved to proceed with WVOE on investment property. - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted to allow WVOIE only on investment, Non-material waiver applied with comp factors. non-material due to borrower has been at the company for 15 years. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 13.8m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 767. | 1. FICO score is at least 20 points above minimum.<br> 2. 24+ month credit history 0X30.<br> 3. 3m additional reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4509733 |
| XXXX | 651221 | XXXX C B A | Closed | FCRE8201 | 2025-06-23 09:30 | 2025-06-26 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received revised 1003 and 1008 with the correct SSN. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003 and 1008 with the correct SSN. The Credit Report delivered with the loan fie had recognized the misinput and provided information for the borrower's accurate SSN. All 3 bureaus are utilizing the correct SSN on the credit report. - Seller-06/25/2025 <br> Open-Borrower's Social security number is incorrect. Per credit should be XXXX - Entered as XXXX - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached 1003 and 1008 with the correct SSN. The Credit Report delivered with the loan fie had recognized the misinput and provided information for the borrower's accurate SSN. All 3 bureaus are utilizing the correct SSN on the credit report. - Seller-06/25/2025<br>| Resolved-Received revised 1003 and 1008 with the correct SSN. - Due Diligence Vendor-06/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008<br>Months Reserves exceed minimum required - 94 mths reserves; 12 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4525480 |
| XXXX | 651221 | XXXX C B A | Closed | FCRE0113 | 2025-06-20 16:45 | 2025-06-26 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the the fee is not a mandatory fee. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Please note the XXXX annual HOA fee is not mandatory. Please refer to page 14 of the appraisal under Neighborhood Information where the appraiser provided the following information "There is a XXXX annual fee for use of the beach rights and sports courts as well as the ability to get on a wait list for dock space.". As noted the amount was was used in the PITIA calculations. - Seller-06/25/2025 <br> Open-No documentation on file to indicate property is a PUD, however; appraisal on file shows HOA fees for $75. Need clarification/correction to the appraisal if needed. (HOA amount was used in lender PITIA figure, matched) - Due Diligence Vendor-06/20/2025 | Ready for Review-Please note the XXXX annual HOA fee is not mandatory. Please refer to page 14 of the appraisal under Neighborhood Information where the appraiser provided the following information "There is a XXXX annual fee for use of the beach rights and sports courts as well as the ability to get on a wait list for dock space.". As noted the amount was was used in the PITIA calculations. - Seller-06/25/2025 | Resolved-Upon further review, the the fee is not a mandatory fee. - Due Diligence Vendor-06/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008<br>Months Reserves exceed minimum required - 94 mths reserves; 12 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4518042 |
| XXXX | 651221 | XXXX C B A | Closed | FCRE1440 | 2025-06-23 09:23 | 2025-06-24 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. The requested documents were included in the uploaded loan file, please refer to pages 55-66 and attached herein. - Seller-06/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence the borrower is living rent free. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. The requested documents were included in the uploaded loan file, please refer to pages 55-66 and attached herein. - Seller-06/23/2025<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-06/24/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008<br>Months Reserves exceed minimum required - 94 mths reserves; 12 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4525366 |
| XXXX | 651221 | XXXX C B A | Closed | FCRE1197 | 2025-06-20 16:29 | 2025-06-23 09:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow credit score < 640, Non-material waiver applied with comp factors. non-material due to Borrower has a 637 score and 4 years at primary residence - Due Diligence Vendor-06/23/2025 <br>Open-Audited FICO of 637 is less than Guideline FICO of 640 Originator exception for FICO min requirement of 640. (Bwr FICO 637) Comp factors listed. - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted to allow credit score < 640, Non-material waiver applied with comp factors. non-material due to Borrower has a 637 score and 4 years at primary residence - Due Diligence Vendor-06/23/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008<br>Months Reserves exceed minimum required - 94 mths reserves; 12 mths required. | LTV is 5% less than guideline maximum<br> 4+ years at primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4517806 |
| XXXX | 652383 | XXXX D B A | Closed | FCRE1498 | 2025-06-23 16:28 | 2025-07-02 17:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow a multi-family home (7 unit) purchase for a first time investor. Deemed non-material with comp factors of which most importantly excess reserves. Note: DSCR is greater than 1. - Due Diligence Vendor-07/02/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Multi family property not allowed for first time investor. - Due Diligence Vendor-06/23/2025 |  | Waived-Originator exception granted to allow a multi-family home (7 unit) purchase for a first time investor. Deemed non-material with comp factors of which most importantly excess reserves. Note: DSCR is greater than 1. - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 41 months > 6 required<br>LTV is less than guideline maximum - LTV 65% and max allowed 70% | 1. Reserves over 3 months of requirement (actual 41 months). 2. LTV below 5% min of requirement. 3. DSCR ratio above 1.1 (audit calculated at 1.12) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4533693 |
| XXXX | 652383 | XXXX D B A | Closed | FCRE1440 | 2025-06-23 12:06 | 2025-07-02 16:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow FTHB borrower with no prior housing history (lives rent free and matrix requires 0x30x24 housing history) and purchasing multi-family property. Deemed non-material with compensating factors. - Due Diligence Vendor-07/02/2025 <br>Open-Housing History Does Not Meet Guideline Requirements FTHB borrower has no prior housing history, borrower purchasing multi-family property. Multi family requires experienced Investors only, borrower must have a history of owning and managing commercial or non-owner-occupied residential real estate for at least 1 year in the last 3 years - Due Diligence Vendor-06/23/2025 |  | Waived-Originator exception granted to allow FTHB borrower with no prior housing history (lives rent free and matrix requires 0x30x24 housing history) and purchasing multi-family property. Deemed non-material with compensating factors. - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 41 months > 6 required<br>LTV is less than guideline maximum - LTV 65% and max allowed 70% | 1. Reserves over 3 months of requirement (actual 41 months). 2. LTV below 5% min of requirement. 3. DSCR ratio above 1.1 (audit calculated at 1.12) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4528675 |
| XXXX | 652383 | XXXX D B A | Closed | FCRE7009 | 2025-06-23 12:00 | 2025-06-27 13:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, Policy reflects sufficient coverage. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-We respectfully disagree. The subject property 7 units. We have confirmed with the insurance agent XXXX at XXXX that the subject property has XX total coverage, which includes the XXXX for the three structures. - Seller-06/25/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage amount does not meet the RCE amount. - Due Diligence Vendor-06/23/2025 | Ready for Review-We respectfully disagree. The subject property 7 units. We have confirmed with the insurance agent XXXX at XXXX that the subject property has XX total coverage, which includes the XXXX for the three structures. - Seller-06/25/2025 | Resolved-Upon further review, Policy reflects sufficient coverage. - Due Diligence Vendor-06/27/2025<br>| Months Reserves exceed minimum required - 41 months > 6 required<br>LTV is less than guideline maximum - LTV 65% and max allowed 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4528581 |
| XXXX | 652383 | XXXX D B A | Closed | FCRE1158 | 2025-06-23 12:00 | 2025-06-27 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Upon further review, evidence of the premium was located, and all 3 structures are insured. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-We respectfully disagree. The subject property 7 units. We have confirmed with the insurance agent XXXX at XXXX that the subject property has XX total coverage, which includes the XXXX for the three structures. - Seller-06/25/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Insurance Policy is Partial.. Unable to confirm Hazard Premium. Missing proof of Hazard insurance for Unit 4-7. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/23/2025 | Ready for Review-We respectfully disagree. The subject property 7 units. We have confirmed with the insurance agent XXXX at XXXX that the subject property has XX total coverage, which includes the XXXX for the three structures. - Seller-06/25/2025 | Resolved-Upon further review, evidence of the premium was located, and all 3 structures are insured. - Due Diligence Vendor-06/27/2025<br>| Months Reserves exceed minimum required - 41 months > 6 required<br>LTV is less than guideline maximum - LTV 65% and max allowed 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4528582 |
| XXXX | 652414 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 654670 | XXXX C B A | Closed | FCRE1194 | 2025-06-24 16:15 | 2025-07-11 12:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non- material finding with compensating factors- - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Audited LTV of 81.25% exceeds Guideline LTV of 75% The Lender used an appraised value of XXXX. The appraisal in the file reflects XXXX, which was supported by the CDA value of XXXX. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Waived-Originator waiver applied to non- material finding with compensating factors- - Due Diligence Vendor-07/11/2025<br>| DSCR % greater than 1.20 - DSCR = 1.237<br>Months Reserves exceed minimum required - 108 months available vs. 0 required | DSCR greater that 1<br> Reserves are greater than 3 months required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4548126 |
| XXXX | 654810 | XXXX C B A | Closed | FCRE1232 | 2025-06-24 15:49 | 2025-07-11 10:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator provided a waiver minimum DSCR<1.2 for FN LTV>70%, applied to non material finding with comp factors and with reviewed compfactors - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-The Calculated DSCR of '1.118' is less than the minimum DSCR per lender guidelines of '1.2'. DSCR Foreign national LTV > 65% Requires 1.2 - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Waived-Originator provided a waiver minimum DSCR<1.2 for FN LTV>70%, applied to non material finding with comp factors and with reviewed compfactors - Due Diligence Vendor-07/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is .85 or less--- Borrower's DSCR is 1.118%<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 3+ mths in reserves | DSCR: 1.1%<br> Reserves: 3 months verified>0 required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4547710 |
| XXXX | 654894 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 657149 | XXXX C B A | Closed | FCRE1194 | 2025-06-25 12:41 | 2025-06-26 14:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. Allow 75% LTV for DSCR ratio < 1. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per matrix, max LTV is 70% since DSCR is below 1.00 - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Allow 75% LTV for DSCR ratio < 1. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728<br>Long term residence - 24+ housing history | -Fico 20 pts above min<br> -24+ housing history 0X30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4558944 |
| XXXX | 657149 | XXXX C B A | Closed | FCRE1498 | 2025-06-25 12:37 | 2025-06-25 17:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) EXCEPTION Approved: To allow for FTHB/FT Investor: Non-Material 3 properties closed with lender - Due Diligence Vendor-06/25/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728<br>Long term residence - 24+ housing history | -Fico 20 pts above min<br> -24+ housing history 0X30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4558889 |
| XXXX | 657152 | XXXX C B A | Closed | FCRE1194 | 2025-06-25 13:46 | 2025-06-26 14:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. allow75% LTV on a DSCR under 1. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Matrix dated XXXX, max LTV is 70% if DSCR is between .75-1.00 - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. allow75% LTV on a DSCR under 1. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728<br>Months Reserves exceed minimum required - 0 Min reserves required, borrower has 70.97 documented | -FICO score is 20% above min required<br> -24+ month housing history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4560162 |
| XXXX | 657152 | XXXX C B A | Closed | FCRE1498 | 2025-06-25 13:39 | 2025-06-25 17:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) EXCEPTION Approved: Allowed to proceed as FTHB/FT Investor. Non-Material- Closed on 3 properties with lender. - Due Diligence Vendor-06/25/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728<br>Months Reserves exceed minimum required - 0 Min reserves required, borrower has 70.97 documented | -FICO score is 20% above min required<br> -24+ month housing history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4560044 |
| XXXX | 657170 | XXXX C B A | Closed | FCRE1194 | 2025-06-25 14:51 | 2025-06-26 14:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. Allow 75% LTV for DSCR ratio < 1. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Matrix used is dated XXXX, it appears the lender used the new matrix dated XXXX. Per Matrix, max LTV is 70% with DSCR below 1 - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Allow 75% LTV for DSCR ratio < 1. - Due Diligence Vendor-06/26/2025<br>| Long term residence - Borrower has been at current residence over 24 months 0X30<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728 | -FICO score is 20 points above min<br> -24+ month housing history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4561344 |
| XXXX | 657170 | XXXX C B A | Closed | FCRE1498 | 2025-06-25 14:40 | 2025-06-25 17:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Exception Approved: Allowed to proceed with DSCR FTHB/FT Investor; Non-Material 3 loans closed with lender - Due Diligence Vendor-06/25/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/25/2025<br>| Long term residence - Borrower has been at current residence over 24 months 0X30<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 728 | -FICO score is 20 points above min<br> -24+ month housing history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4561131 |
| XXXX | 657186 | XXXX C B A | Closed | FCRE1440 | 2025-06-25 10:54 | 2025-06-25 14:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements: Borrower owns the property for 8 months instead of 12.<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/25/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements: Borrower owns the property for 8 months instead of 12.<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .80 or less--- Borrower's DSCR is greater than 1.00 and the min is 0. <br>Months Reserves exceed minimum required - 12 mths reserves are required- Borrower has 16.9 mths in reserves | LTV is 5% less guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4556051 |
| XXXX | 658506 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 658714 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 661679 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 661681 | XXXX D B A | Closed | FCRE1198 | 2025-08-14 07:55 | 2025-08-26 15:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. Exception to qualify with 1.72 months reserves instead of 3. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/23/2025 <br>Open-Audited Reserves of 1.72 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/23/2025<br>| Waived-Client waiver applied to non-material finding with compensating factors. Exception to qualify with 1.72 months reserves instead of 3. - Due Diligence Vendor-08/26/2025<br>| Verified employment history exceeds guidelines - CPA confirms over 2 years SE<br>Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 31.26% | Qualifying DTI 5% below maximum allowed<br> Residual Income =/> 1.5 times $3,500 monthly residual income | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5173963 |
| XXXX | 661681 | XXXX D B A | Closed | FCRE7497 | 2025-06-30 12:55 | 2025-07-03 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation to support the property sold. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Property Profile and LOE regarding the sale of XXXX. - Seller-07/02/2025 <br> Open-Missing documents for XXXX or proof property sold. If unable to provide additional findings may apply. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Please see attached Property Profile and LOE regarding the sale of XXXX. - Seller-07/02/2025<br>| Resolved-Received documentation to support the property sold. - Due Diligence Vendor-07/03/2025<br>| Verified employment history exceeds guidelines - CPA confirms over 2 years SE<br>Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 31.26% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4604301 |
| XXXX | 661681 | XXXX D B A | Closed | FCOM5991 | 2025-06-30 12:54 | 2025-07-03 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-Legal found page 3 of 12 of the DOT - Due Diligence Vendor-07/03/2025 <br>Ready for Review-We respectfully disagree as the legal description is listed on page 3 of 12 of the DOT uploaded with the loan file. - Seller-07/01/2025 <br>Open-Legal Description is missing - Due Diligence Vendor-06/30/2025 | Ready for Review-We respectfully disagree as the legal description is listed on page 3 of 12 of the DOT uploaded with the loan file. - Seller-07/01/2025<br>| Resolved-Legal found page 3 of 12 of the DOT - Due Diligence Vendor-07/03/2025<br>| Verified employment history exceeds guidelines - CPA confirms over 2 years SE<br>Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 31.26% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4604278 |
| XXXX | 661755 | XXXX C A | Closed | FCRE1159 | 2025-06-30 11:12 | 2025-07-03 15:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received policy dated prior to close with an effective date of XXXX- Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. HOI effective date is XXXX. - Seller-07/01/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Please see attached. HOI effective date is XXXX. - Seller-07/01/2025 | Resolved-Received policy dated prior to close with an effective date of XXXX - Due Diligence Vendor-07/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 783 vs. min FICO of 680<br>Months Reserves exceed minimum required - > 6 months available, vs. 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4602128 |
| XXXX | 661790 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 661817 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 661856 | XXXX C A | Closed | FCRE0104 | 2025-06-30 16:25 | 2025-07-08 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Prepayment penalty is allowable on loan vested in business entity with no restrictions - Due Diligence Vendor-07/08/2025 <br> Counter-XXXX-reviewer recommends consulting closing attorney with questions. Original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Please provide your source. we only have; prepayment, The following state restrictions apply:<br> o Prepayment penalties are not allowed on loans vested to individuals in XX. Thank you - Seller-07/02/2025 <br> Counter-Permitted on legal entities only with interest rates greater than 8% - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Disagree, Finding does not apply due to this loan is amortized with a fixed rate loan product and prepayment restrictions also do not apply due to loan is vested in business entity, not an individual. Please clear, Thank you - Seller-07/01/2025 <br> Open-Per State Specific Rules, Permissible on loans with an interest rate equal to or less than 8%, max term 3 years or less - cannot be imposed after first change date for ARMs, tiered structure. This loan exceeds the max term of 3 years or less, provide exception. - Due Diligence Vendor-06/30/2025 | Ready for Review-Please provide your source. we only have; prepayment, The following state restrictions apply:<br> o Prepayment penalties are not allowed on loans vested to individuals in XX. Thank you - Seller-07/02/2025 <br> Ready for Review-Disagree, Finding does not apply due to this loan is amortized with a fixed rate loan product and prepayment restrictions also do not apply due to loan is vested in business entity, not an individual. Please clear, Thank you - Seller-07/01/2025 | Resolved-Prepayment penalty is allowable on loan vested in business entity with no restrictions - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 755<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 232.09 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4607926 |
| XXXX | 662708 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 663497 | XXXX D A | Closed | FCRE1158 | 2025-07-29 10:56 | 2025-08-01 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received revised closing documents, 1003 and 1008. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003 and 1008 with the updated HOI Payment. We note that the DTI is still in line and does not impact the underwriting decision. We further note that the difference would not affect salability and the clerical changes will be addressed and provided to the borrower & the final investor. We ask that this condition be cleared as it does not impact the credit decision. - Seller-07/30/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Annual policy amount breakdown to monthly is lower than escrowed amount. Lender to clarify if there is another policy and provide as applicable. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Ready for Review-Document Uploaded. Please see corrected 1003 and 1008 with the updated HOI Payment. We note that the DTI is still in line and does not impact the underwriting decision. We further note that the difference would not affect salability and the clerical changes will be addressed and provided to the borrower & the final investor. We ask that this condition be cleared as it does not impact the credit decision. - Seller-07/30/2025<br>| Resolved-Received revised closing documents, 1003 and 1008. - Due Diligence Vendor-08/01/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 33.11%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 803. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4978787 |
| XXXX | 664695 | XXXX C B A | Closed | FCRE1198 | 2025-07-02 16:15 | 2025-07-07 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 2 months investment statements reflecting sufficient reserves - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has XXXX in investment assets, which is sufficient to meet the 18 mo. (BN) reserve requirements. - Seller-07/03/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 18 month(s) Per matrix unlimited cash out over 60% LTV requires 18 months of reserves (exclusive from Cash Back). Assets provided were used as income for qualifying therefore can not be used as reserves. Lender exception in the file was for loan amount and unlimited cash out (did not address reserve requirements). - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The borrower has $XX in investment assets, which is sufficient to meet the 18 mo. ($624,262.14) reserve requirements. - Seller-07/03/2025 | Resolved-Received 2 months investment statements reflecting sufficient reserves - Due Diligence Vendor-07/07/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.8XX is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4643041 |
| XXXX | 664695 | XXXX C B A | Closed | FCRE1199 | 2025-07-02 13:17 | 2025-07-02 16:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow loan amount to XXXX, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Lender exception in file to allow loan amount of $XXM - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow loan amount to XX million, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - DTI of 34.8XX is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months | No mortgage lates 24 months<br> Fico score 95 points above the minimum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4634067 |
| XXXX | 664695 | XXXX C B A | Closed | FCRE1492 | 2025-07-02 16:07 | 2025-07-02 16:22 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow unlimited cash out, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Lender exception provided for unlimited cash out. - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow unlimited cash out, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.8XX is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months | No mortgage lates 24 months<br> Fico score 95 points above the minimum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4642917 |
| XXXX | 664956 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 665989 | XXXX D B A C | Closed | FCRE3464 | 2025-07-07 10:22 | 2025-07-31 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-After further review, the second job income is not documented using a WVOE. A Income statements print out was provided by the employer. VOE must be dated within 10 days of closing. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Can you reconsider the finding as the guideline requires the VVOE to be dated within 10 days of the note date. As per section XXXX of the XXXX guides.<br>The XXXX VVOE was completed on XXXX and within 10 days of the Note date.<br>Your reconsideration of this request is greatly appreciated. - Seller-07/31/2025 <br> Open-Provide VVOE for secondary employment with XXXX within 3 days of Note. - Due Diligence Vendor-07/07/2025 | Ready for Review-Can you reconsider the finding as the guideline requires the VVOE to be dated within 10 days of the note date. As per section XXXX of the XXXX guides.<br>The XXXX VVOE was completed on XXXX and within 10 days of the Note date.<br>Your reconsideration of this request is greatly appreciated. - Seller-07/31/2025 | Resolved-After further review, the second job income is not documented using a WVOE. A Income statements print out was provided by the employer. VOE must be dated within 10 days of closing. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 28.83m.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 67.27%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4682529 |
| XXXX | 665989 | XXXX D B A C | Closed | finding-3652 | 2025-07-02 11:49 | 2025-07-17 08:07 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD XXXX, copy of check, LOX and evidence of delivery. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. Post close CD, LOE and evidence of delivery to borrower and copy of refund check. - Seller-07/15/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,111.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,885.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $3885 to $1111 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2774, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. Post close CD, LOE and evidence of delivery to borrower and copy of refund check. - Seller-07/15/2025<br>| Cured-Received PCCD XXXX, copy of check, LOX and evidence of delivery. - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 28.83m.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 67.27%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4632869 |
| XXXX | 665989 | XXXX D B A C | Closed | FCRE1145 | 2025-07-07 08:15 | 2025-07-15 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Final Title. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. Correct Final Title Policy dated XXXX. Please clear this condition. - Seller-07/11/2025 <br> Open-Title Document is missing Provide clear title commitment. Title uploaded was not for the subject loan. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please see attached. Correct Final Title Policy dated XXXX. Please clear this condition. - Seller-07/11/2025 | Resolved-Received Final Title. - Due Diligence Vendor-07/15/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 28.83m.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 67.27%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4674206 |
| XXXX | 665993 | XXXX C B A | Closed | FCRE1194 | 2025-07-07 11:05 | 2025-07-07 13:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV is 65%, closed LTV is 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV is 65%, closed LTV is 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 3 months reserves required, borrower has 62.44 documented<br>Long term residence - In primary residence over 4 years | 4+ years in primary residence<br> 4+ year verified employed history<br> -3months reserves above minimum<br> - low front end ratio <31% | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4688223 |
| XXXX | 666010 | XXXX D A | Closed | FCRE1325 | 2025-07-07 08:42 | 2025-07-09 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the guidelines do not require a tax preparer letter. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-We respectfully disagree. The loan is a full doc income verification. The delivered loan file included the borrowers 1040's, including the Schedule C as well as the executed tax transcripts. Therefore, a CPA letter is not required as the self employment has been verified. - Seller-07/07/2025 <br>Open-Borrower 1 CPA Letter Missing Provide a CPA Letter for self employment. - Due Diligence Vendor-07/07/2025 | Ready for Review-We respectfully disagree. The loan is a full doc income verification. The delivered loan file included the borrowers 1040's, including the Schedule C as well as the executed tax transcripts. Therefore, a CPA letter is not required as the self employment has been verified. - Seller-07/07/2025<br>| Resolved-Upon further review, the guidelines do not require a tax preparer letter. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - O mths reserves req'd- Borrower has 106.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4674414 |
| XXXX | 666010 | XXXX D A | Closed | FCRE1324 | 2025-07-07 08:42 | 2025-07-09 15:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Upon further review, transcripts were used in lieu of the signature. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-We respectfully disagree. The delivered loan file included executed tax transcripts, therefore, the 1040 signatures are not required. Additionally, per guidelines, section 6.2, tax transcripts may be used In lieu of tax returns. - Seller-07/07/2025 <br>Open-Borrower 1 Tax Returns Not Signed Provide the signed 2023 1040s. - Due Diligence Vendor-07/07/2025 | Ready for Review-We respectfully disagree. The delivered loan file included executed tax transcripts, therefore, the 1040 signatures are not required. Additionally, per guidelines, section 6.2, tax transcripts may be used In lieu of tax returns. - Seller-07/07/2025<br>| Resolved-Upon further review, transcripts were used in lieu of the signature. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - O mths reserves req'd- Borrower has 106.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4674415 |
| XXXX | 666010 | XXXX D A | Closed | FCRE1326 | 2025-07-07 08:42 | 2025-07-09 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Upon further review, guidelines do not require a P&L - Due Diligence Vendor-07/09/2025 <br>Ready for Review-We respectfully disagree. Per Non QM guidelines, section 6.2 a P&L is not required. - Seller-07/07/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Provide YTD 2025 P&L for XX. - Due Diligence Vendor-07/07/2025 | Ready for Review-We respectfully disagree. Per Non QM guidelines, section 6.2 a P&L is not required. - Seller-07/07/2025<br>| Resolved-Upon further review, guidelines do not require a P&L - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - O mths reserves req'd- Borrower has 106.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4674416 |
| XXXX | 666010 | XXXX D A | Closed | FCRE7497 | 2025-07-07 09:00 | 2025-07-08 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, HUD Certificate was located in the loan file. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Per XXXX As an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain either a label verification letter with the same information contained on the HUD Certification Label(s) or duplicate HUD Data Plate from the Institute for Building Technology and Safety (IBTS). The appraisal previously uploaded with the loan file contained a photo of the original HUD Certification Label, which included the HUD No. and all other relevant information. - Seller-07/07/2025 <br> Open-Provide the IBTS Certification for the subject since the HUD Tags are missing. - Due Diligence Vendor-07/07/2025 | Ready for Review-Per XXXX As an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain either a label verification letter with the same information contained on the HUD Certification Label(s) or duplicate HUD Data Plate from the Institute for Building Technology and Safety (IBTS). The appraisal previously uploaded with the loan file contained a photo of the original HUD Certification Label, which included the HUD No. and all other relevant information. - Seller-07/07/2025 | Resolved-Upon further review, HUD Certificate was located in the loan file. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - O mths reserves req'd- Borrower has 106.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4674667 |
| XXXX | 666922 | XXXX D B C A | Closed | FCOM1221 | 2025-07-08 13:02 | 2025-07-08 13:03 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-07/08/2025 <br>Open-Missing legal description attached to Deed of Trust - Due Diligence Vendor-07/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, borrower has 3.17 documented<br>Credit history exceeds minimum required - Credit history 0x30x24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4734124 |
| XXXX | 666922 | XXXX D B C A | Closed | FCRE0970 | 2025-07-07 13:15 | 2025-07-07 15:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Appraisal transfer > 60 days old. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025 |  | Waived-Appraisal transfer > 60 days old. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, borrower has 3.17 documented<br>Credit history exceeds minimum required - Credit history 0x30x24 | credit history 0x30x24<br> no mortgage lates<br> 4+ years in Primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4691868 |
| XXXX | 668305 | XXXX B A | Closed | FCRE1232 | 2025-07-08 09:24 | 2025-07-08 10:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/08/2025 <br>Open-The Calculated DSCR of '0.694' is less than the minimum DSCR per lender guidelines of '0.8'. Exception Approved: Exception in file to allow LTV of 75% with DSCR of 0.694: Non-Material: Allowing to use DSCR Below 0.80 without 5% LTV Reduction. - Due Diligence Vendor-07/08/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 760 is higher than the minimum FICO required of 640<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 35 months | -FICO score is at least 20 points above minimum<br> -24+ month mortgage history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4720830 |
| XXXX | 668445 | XXXX D A C | Closed | FCRE5782 | 2025-07-08 11:34 | 2025-07-24 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please attached updated Drive Report. - Seller-07/23/2025 <br> Counter-Received Fraud Report-Monitoring was not started. Original finding remains. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. Data Verify - Final Approval (CTC) was run on XXXX which satisfies the requirement of a Gap Credit Report within 10 days of closing. Final CD is XXXX. Please clear this condition. - Seller-07/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide a Gap Credit Report within 10 days of closing. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please attached updated Drive Report. - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. Data Verify - Final Approval (CTC) was run on XXXX which satisfies the requirement of a Gap Credit Report within 10 days of closing. Final CD is XXXX. Please clear this condition. - Seller-07/10/2025 | Resolved-Received UDM - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4725208 |
| XXXX | 668445 | XXXX D A C | Closed | FCOM1302 | 2025-07-03 13:26 | 2025-07-18 08:25 | Resolved | 1 - Information B A | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please note that the application date is XXXX as evidenced by the Disclosure Tracking attached. The LE provided by the broker was only in the file as it was provided to identify the Broker's fees. Documentation from XXXX was not provided to the borrower. Please waive this finding. - Seller-07/17/2025 <br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please note that the application date is XXXX as evidenced by the Disclosure Tracking attached. The LE provided by the broker was only in the file as it was provided to identify the Broker's fees. Documentation from XXXX was not provided to the borrower. Please waive this finding. - Seller-07/17/2025 | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4654636 |
| XXXX | 668445 | XXXX D A C | Closed | FCOM3957 | 2025-07-03 14:00 | 2025-07-18 08:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please note that the application date is XXXX as evidenced by the Disclosure Tracking attached. The LE provided by the broker was only in the file as it was provided to identify the Broker's fees. Documentation from XXXX was not provided to the borrower. Please waive this finding. - Seller-07/17/2025 <br> Counter------Application provided in initial file, earliest application date is XXXX. TRID requirements state that disclosures must be provided within 3 business days of initial application. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please note the Application Date was XXXX, therefore the document provided on XXXX was within the required TRID timeline. - Seller-07/16/2025 <br> Open------Missing initial LE dated within 3 days of Application date of XXXX. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please note that the application date is XXXX as evidenced by the Disclosure Tracking attached. The LE provided by the broker was only in the file as it was provided to identify the Broker's fees. Documentation from XXXX was not provided to the borrower. Please waive this finding. - Seller-07/17/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please note the Application Date was XXXX, therefore the document provided on XXXX was within the required TRID timeline. - Seller-07/16/2025 | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4655183 |
| XXXX | 668445 | XXXX D A C | Closed | finding-3635 | 2025-07-18 08:10 | 2025-07-18 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,274.78) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/18/2025 |  | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4864588 |
| XXXX | 668445 | XXXX D A C | Closed | finding-3515 | 2025-07-18 08:10 | 2025-07-18 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4864589 |
| XXXX | 668445 | XXXX D A C | Closed | finding-3838 | 2025-07-18 08:10 | 2025-07-18 08:25 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-07/18/2025 |  | Resolved-Received evidence from client application date is XXXX. Timing requirement met. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4864592 |
| XXXX | 668445 | XXXX D A C | Closed | finding-3634 | 2025-07-18 08:10 | 2025-07-18 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $75.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD 7/XX/2025 lender credit for increase in closing costs above legal limit, $110.00. Finding resolved. - Due Diligence Vendor-07/18/2025 |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $75.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD XXXX lender credit for increase in closing costs above legal limit, $110.00. Finding resolved. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 18.6m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4864583 |
| XXXX | 669556 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 669587 | XXXX C B A | Closed | FCRE0095 | 2025-07-09 08:50 | 2025-07-21 12:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Open-Gross rents (for all income doc types) reduced by 20% to reflect extraordinary costs (i.e., advertising, furnishings, cleaning) associated with operating short-term rental property<br> EXCEPTION in file to use 100% of 1007 STR rents which includes XXXX data. Exception request shows the loan program as Pound XXXX and loan submitted as XXXX. Corrected Exception form is required - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/19/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - 281 mos reserves; 6 mos required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrowers DSCR is 1.116<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 789 | FICO 20+ points above minimum<br> 24+ months 0x30 mortgage history | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4746391 |
| XXXX | 669587 | XXXX C B A | Closed | FCRE1177 | 2025-07-09 08:14 | 2025-07-15 16:10 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Expiration Date is before the Note Date | Resolved-Received Correct policy with the correct expiration date dated the day of closing. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Received updated copy, Please see attached the updated HOI now matches the invoice "policy term" and settlement also reflects premium as being paid - Seller-07/11/2025 <br> Open-HO-6 Insurance Policy Expiration Date of XXXX is prior to the Note Date of XXXX HO6 policy has the incorrect expiration date - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Received updated copy, Please see attached the updated HOI now matches the invoice "policy term" and settlement also reflects premium as being paid - Seller-07/11/2025<br>| Resolved-Received Correct policy with the correct expiration date dated the day of closing. - Due Diligence Vendor-07/15/2025<br>| Months Reserves exceed minimum required - 281 mos reserves; 6 mos required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrowers DSCR is 1.116<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4745995 |
| XXXX | 670533 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 670621 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 670655 | XXXX C B A | Closed | FCRE0078 | 2025-07-08 10:01 | 2025-08-01 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Applied for New Credit on or before this loan application according to the 1003 declaration | Resolved-Upon further review, DTI is not a consideration for a No Ratio Loan. (DSCR). - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Hello! Please waive finding as subject is a DSCR transaction and new credit/debt would not affect DTI - Seller-07/31/2025 <br>Open-Borrower applied for New Credit on or before the loan application according to the 1003 declaration. Please provide additional documentation/clarification pertaining to possible new debt/credit. - Due Diligence Vendor-07/10/2025 | Ready for Review-Hello! Please waive finding as subject is a DSCR transaction and new credit/debt would not affect DTI - Seller-07/31/2025<br>| Resolved-Upon further review, DTI is not a consideration for a No Ratio Loan. (DSCR). - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - 57 mths reserves; 2 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.096 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4721600 |
| XXXX | 670655 | XXXX C B A | Closed | FPRO9999 | 2025-07-10 15:40 | 2025-07-11 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review- the lawsuit is not against our unit, or our borrower and not structural in natural- condition resolved. - Due Diligence Vendor-07/11/2025 <br> Open-Condo questionnaire indicates there is active pending litigation(1154) Condo association is Plaintiff, "XXXX" is defendant. No evidence to indicate matter resolved. - Due Diligence Vendor-07/11/2025 |  | Resolved-After further review- the lawsuit is not against our unit, or our borrower and not structural in natural- condition resolved. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 57 mths reserves; 2 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.096 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4771881 |
| XXXX | 670655 | XXXX C B A | Closed | FCRE8201 | 2025-07-11 11:08 | 2025-07-11 11:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for use of - loan does not meet 2.0 guideline requirements, seeking exception to use guideline 3.0. <br> Non-material waiver applied to finding with compensating factors.<br> Use of guideline 3.0 applied - Due Diligence Vendor-07/11/2025 <br>Open-Loan does not conform to program guidelines due to - loan does not meet 2.0 guideline requirements, seeking exception to use guideline 3.0.<br> Exception decision - Approved - Due Diligence Vendor-07/11/2025 |  | Waived-Originator exception granted to allow for use of - loan does not meet 2.0 guideline requirements, seeking exception to use guideline 3.0. <br> Non-material waiver applied to finding with compensating factors.<br> Use of guideline 3.0 applied - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 57 mths reserves; 2 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.096 | 24 months credit history exceeds minimum requirements | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4785838 |
| XXXX | 671300 | XXXX C A B | Closed | FCRE7805 | 2025-07-09 16:46 | 2025-07-25 14:12 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Per guides - A minimum of 10 months is required as long as divided by 12 Months which Audit used. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Please clear as the bank statement for neg impact is not needed and not required per guides, we can take 10 or 11 as long as it's avg by 12 please clear. - Seller-07/25/2025 <br>Counter-Provide 10/24 business bank statement confirm no negative impact. Statement required. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Income was updated to use 11 mo avg on 12 months which is allowed per guides, borrower still qualifies please clear. - Seller-07/15/2025 <br>Open-The 10/24 bank statement was not identified in the file and is missing. Audit averaged total gross income over 11 months and borrower still qualifies. - Due Diligence Vendor-07/09/2025 | Ready for Review-Please clear as the bank statement for neg impact is not needed and not required per guides, we can take 10 or 11 as long as it's avg by 12 please clear. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. Income was updated to use 11 mo avg on 12 months which is allowed per guides, borrower still qualifies please clear. - Seller-07/15/2025<br>| Resolved-Per guides - A minimum of 10 months is required as long as divided by 12 Months which Audit used. - Due Diligence Vendor-07/25/2025<br>| LTV is less than guideline maximum - 65% allowed, subject 56% <br>Qualifying FICO score is at least 20 points above minimum for program - 600 fico score required, subject 631. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4756197 |
| XXXX | 671300 | XXXX C A B | Closed | finding-3634 | 2025-07-08 14:24 | 2025-07-17 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX for rate lock extension fee - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. please find the COC - Seller-07/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $312.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $312.50 (Rate Lock Extension Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $312.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. please find the COC - Seller-07/15/2025<br>| Resolved-Received COC XXXX for rate lock extension fee - Due Diligence Vendor-07/17/2025 | LTV is less than guideline maximum - 65% allowed, subject 56% <br>Qualifying FICO score is at least 20 points above minimum for program - 600 fico score required, subject 631. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4735999 |
| XXXX | 672026 | XXXX C B A | Closed | FCRE1441 | 2025-07-10 15:11 | 2025-07-16 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow the charge-off to remain open. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence. B1 has open charge off greater than 24 mths and exceeds $2500 that there is no proof closed or Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence or exceed state statutes.<br>- Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow the charge-off to remain open. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 73.51 mths in reserves <br>DSCR % greater than 1.20 - DSCR > 1.2%- Borrower's DSCR 1.81% | - LTV more than 5 pts below program minimum <br> - DSCR over 1.2<br> 73.51 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4771335 |
| XXXX | 672026 | XXXX C B A | Closed | FCRE0970 | 2025-07-10 15:22 | 2025-07-11 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025 <br>Open-Exception request: Please allow for more than 1 vacant unit. Our guidelines allow 100 vacancy for 1-4 unit properties. - Due Diligence Vendor-07/10/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 73.51 mths in reserves <br>DSCR % greater than 1.20 - DSCR > 1.2%- Borrower's DSCR 1.81% | - LTV more than 5 pts below program minimum <br> - DSCR over 1.2 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4771593 |
| XXXX | 672102 | XXXX C B A | Closed | FCRE9994 | 2025-07-11 09:36 | 2026-02-05 09:03 | Resolved | 1 - Information C A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-Duplicate finding, original finding waived. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Open-LTV/CLTV of 85% exceeds program maximum of 80% per Matrix, for FTHB without rental history. (Note: Per LOE in file, borrowers live rent free since XXXX). - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/19/2025<br>| Resolved-Duplicate finding, original finding waived. - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 13.77m.<br>Verified employment history exceeds guidelines - Borrowers have been in business since 12.17.2020. | Qualifying FICO score is at least 20 points above minimum for program<br> 24+ month credit history exceeds minimum required<br> Residual Income =/> 1.5 times $3,500 monthly residual income | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4779594 |
| XXXX | 672102 | XXXX C B A | Closed | FCRE1506 | 2025-07-11 09:23 | 2025-07-30 15:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/19/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM Status pending due to excessive DTI. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/19/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 13.77m.<br>Verified employment history exceeds guidelines - Borrowers have been in business since 12.17.2020. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4779419 |
| XXXX | 672102 | XXXX C B A | Closed | FCRE1193 | 2025-07-11 09:30 | 2025-07-22 09:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non material finding with compensating factors. Seeking exception to allow 52.86% DTI and 85% LTV for FTHB with no VOR. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Open-Audited DTI of 52.86% exceeds Guideline DTI of 50% ATR/QM Status pending due to excessive DTI. (Audit income calc lower than lender's calc due to lender used XXm of bank statement deposits and divided by XXm vs XXm). - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/19/2025 <br>Ready for Review-Document Uploaded. - Seller-07/19/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Seeking exception to allow 52.86% DTI and 85% LTV for FTHB with no VOR. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 13.77m.<br>Verified employment history exceeds guidelines - Borrowers have been in business since 12.17.2020. | 775 fico<br> 13 months of reserves, 6 required<br> $4,883 residual income is 1.39 months, just short of 1.5 months<br> 6 years employment history<br> 24+ month credit history | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4779516 |
| XXXX | 672102 | XXXX C B A | Closed | FCRE1194 | 2025-07-11 09:30 | 2025-07-22 09:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. Seeking exception to allow 52.86% DTI and 85% LTV for FTHB with no VOR. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Ready for Review-Document Uploaded. - Seller-07/19/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% LTV/CLTV of 85% exceeds program maximum of 80% per Matrix, for FTHB without rental history. (Note: Per LOE in file, borrowers live rent free since XXXX). - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/19/2025 <br>Ready for Review-Document Uploaded. - Seller-07/19/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Seeking exception to allow 52.86% DTI and 85% LTV for FTHB with no VOR. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 13.77m.<br>Verified employment history exceeds guidelines - Borrowers have been in business since 12.17.2020. | 775 fico<br> 13 months of reserves, 6 required<br> $4,883 residual income is 1.39 months, just short of 1.5 months<br> 6 years employment history<br> 24+ month credit history | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4779515 |
| XXXX | 672113 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 673985 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 675859 | XXXX C B A | Closed | FCRE1232 | 2025-07-15 08:47 | 2025-07-15 10:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/15/2025 <br>Open-The Calculated DSCR of '1.098' is less than the minimum DSCR per lender guidelines of '1.2'. Lender Exception Granted: Approved to proceed 6XX LTV with DSCR below 1.2, per Guide a 1.2% DSCR ratio for refi > 60% LTV. - Due Diligence Vendor-07/15/2025 |  | Waived-Finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/15/2025<br>| Long term residence - Borrowers have owned primary home in XX for 6 years.<br>Note: Lender comp was: Reducing rate from 10.75% to 7.375% and PI payment. (No drop down choice for this).<br> Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves XXm. | 1. 3+ months reserves above min.<br> 2. Reducing rate from 10.75% to 7.375% and PI payment. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 4817270 |
| XXXX | 675859 | XXXX C B A | Closed | FCRE1194 | 2025-07-15 08:51 | 2025-07-15 10:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/15/2025 <br>Open-Audited LTV of 6XX exceeds Guideline LTV of 60% Lender Exception Granted: Approved to proceed 6XX LTV with DSCR below 1.2, per Guide a 1.2% DSCR ratio for refi > 60% LTV. - Due Diligence Vendor-07/15/2025 |  | Waived-Finding is deemed non-material. Originator waiver applied with comp factors - Due Diligence Vendor-07/15/2025<br>| Long term residence - Borrowers have owned primary home in XX for 6 years.<br>Note: Lender comp was: Reducing rate from 10.75% to 7.375% and PI payment. (No drop down choice for this).<br> Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves XXm. | 1. 3+ months reserves above min.<br> 2. Reducing rate from 10.75% to 7.375% and PI payment. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 4817313 |
| XXXX | 675899 | XXXX C B A | Closed | FCRE6777 | 2025-07-15 06:44 | 2025-07-22 15:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Originator exception granted to allow XX acres exceeding 20 acres maximum allowed. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Appraisal reflects subject property is XX acres which exceeds the max. allowed per guidelines of 20 acres - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Originator exception granted to allow XX acres exceeding 20 acres maximum allowed. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/22/2025 | Qualifying DTI below maximum allowed - DTI of 22.17% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - VOR reflects on time rent history for last 24 months | Qualifying DTI 5% below maximum allowed5+ years Verified employment history<br> exceeds guidelines<br> 24+ month credit history exceeds minimum required<br> Residual Income =/> 1.5 times $3,500 monthly residual income | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4816260 |
| XXXX | 675899 | XXXX C B A | Closed | FCRE1198 | 2025-07-15 06:39 | 2025-07-22 15:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 4.05 months reserves when 12 months is required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 12 month(s) Verified reserves do not meet minimum requirement of 12 months. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Originator exception granted to allow 4.05 months reserves when 12 months is required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - DTI of 22.17% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - VOR reflects on time rent history for last 24 months | Qualifying DTI 5% below maximum allowed5+ years Verified employment history<br> exceeds guidelines<br> 24+ month credit history exceeds minimum required<br> Residual Income =/> 1.5 times $3,500 monthly residual income | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4816235 |
| XXXX | 675899 | XXXX C B A | Closed | FPRO0011 | 2025-07-15 06:48 | 2025-07-22 15:19 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. Free and clear of disaster related damage. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-XXXX<br> Incident Period: XXXX and continuing<br> Major Disaster Declaration declared on XXXX- Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received PDI with an inspection date of XXXX. Free and clear of disaster related damage. - Due Diligence Vendor-07/22/2025 | Qualifying DTI below maximum allowed - DTI of 22.17% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - VOR reflects on time rent history for last 24 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4816292 |
| XXXX | 675899 | XXXX C B A | Closed | FCRE1194 | 2025-07-15 06:39 | 2025-07-17 16:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, XXXX state eligibility is based off XXXX Full Doc Matrices. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX Matrix indicated Bank Statements: Please refer to XXXX - Full Doc Lite Matrix for Eligibility. XXXX Full Doc - Lite Matrix for a fico score of 692 allows for a 90% LTV purchase of primary residence. Subject loan is a 12-month bank statement program - XXXX - Alt Doc Lite. Please clear this condition. - Seller-07/15/2025 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 80% LTV of 90% exceeds the max. allowed per guidelines. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please see attached. XXXX Alt Doc Lite Matrix indicated Bank Statements: Please refer to XXXX - XXXXfor Eligibility. XXXX Full Doc - Lite Matrix for a fico score of 692 allows for a 90% LTV purchase of primary residence. Subject loan is a 12-month bank statement program - XXXX - Alt Doc Lite. Please clear this condition. - Seller-07/15/2025 | Resolved-Upon further review, Alt Doc Lite state eligibility is based off XXXX Lite-Full Doc Matrices. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - DTI of 22.17% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - VOR reflects on time rent history for last 24 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4816234 |
| XXXX | 676543 | XXXX B A | Closed | FCRE1232 | 2025-07-15 12:42 | 2025-07-15 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025 <br> Open-The Calculated DSCR of '0.480' is less than the minimum DSCR per lender guidelines of '1'. .48 DSCR is below minimum of 1 required for XXXX properties. Lender exception provided. - Due Diligence Vendor-07/15/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025<br>| Credit history exceeds minimum required - 24 months clean credit history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrowers FICO 748 | - 49 points FICO above minimum <br> - 24 mth clean credit history | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4823095 |
| XXXX | 676751 | XXXX C B A | Closed | finding-651 | 2025-07-12 07:04 | 2025-07-18 07:30 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-----Received PCCD XXXX, copy of check, LOX, and evidence of delivery. Finding cured. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,116,646.51. The disclosed finance charge of $1,116,436.51 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $1,116,646.51. The disclosed finance charge of $1,116,436.51 is not considered accurate because it is understated by more than $100 at $210.00. Provide evidence of refund or principal reduction of $210.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025<br>| Cured-----Received PCCD XXXX, copy of check, LOX, and evidence of delivery. Finding cured. - Due Diligence Vendor-07/18/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.5%<br>Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 23.85 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4796068 |
| XXXX | 676751 | XXXX C B A | Closed | finding-3635 | 2025-07-12 07:11 | 2025-07-18 07:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-----Received PCCD XXXX, copy of check, LOX, and evidence of delivery. Finding cured. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($553.00) exceed the comparable charges ($493.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Administration Fee and Recording Fee) increased by $210 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025<br>| Cured-----Received PCCD XXXX, copy of check, LOX, and evidence of delivery. Finding cured. - Due Diligence Vendor-07/18/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.5%<br>Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 23.85 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4796083 |
| XXXX | 677598 | XXXX C A | Closed | FCRE1194 | 2025-07-16 14:11 | 2025-07-21 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the maximum LTV is 70%. Audited LTV of 67.47% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. The guidelines of 01.21.2025 should be used since the file started before the cut-off date/ Max LTV is 70% and this is in line. - Seller-07/18/2025 <br>Open-Audited LTV of 67.47% exceeds Guideline LTV of 65% Maximum LTV for PTIN with Refinance is 65% - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see attached. The guidelines of XXXX should be used since the file started before the cut-off date/ Max LTV is 70% and this is in line. - Seller-07/18/2025 | Resolved-Upon further review, the maximum LTV is 70%. Audited LTV of 67.47% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-07/21/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 67.47%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.57%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4839899 |
| XXXX | 677598 | XXXX C A | Closed | finding-3634 | 2025-07-12 10:56 | 2025-07-21 01:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD with notary fee moved to the correct section. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. The title fees are shopped for when compared to Settlement Service provider list from initial disclosure, but it wasn't marked properly on the Final CD. See Post Consummation CD to reflect that this title fee was a Shopped For Section C fee. - Seller-07/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150 (Notary Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX.<br> - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. Please see attached. The title fees are shopped for when compared to Settlement Service provider list from initial disclosure, but it wasn't marked properly on the Final CD. See Post Consummation CD to reflect that this title fee was a Shopped For Section C fee. - Seller-07/18/2025<br>| Resolved-Received PCCD with notary fee moved to the correct section. - Due Diligence Vendor-07/22/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 67.47%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.57%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4796480 |
| XXXX | 677652 | XXXX D A | Closed | FCRE9488 | 2025-07-30 15:14 | 2025-08-28 16:36 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Lender confirmed Investment property. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Please waive and proceed as investment. The loan was originally submitted as a 2nd home and could have qualified as a 2nd home had the loan closed in the borrower's personal name. However, it must remain investment since the loan closed in the borrower's LLC. We are using the most conservative risk as there is no rental income being utilized. - Seller-08/26/2025 <br>Counter-Occupancy discrepancy must be addressed. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-This REO is still an investment - Seller-08/06/2025 <br>Open-Loan was approved as an investment, however per an LOE received from the borrower, the subject is being utilized as a Second Home. - Due Diligence Vendor-07/30/2025 | Ready for Review-Please waive and proceed as investment. The loan was originally submitted as a 2nd home and could have qualified as a 2nd home had the loan closed in the borrower's personal name. However, it must remain investment since the loan closed in the borrower's LLC. We are using the most conservative risk as there is no rental income being utilized. - Seller-08/26/2025 <br>Ready for Review-This REO is still an investment - Seller-08/06/2025<br>| Resolved-Lender confirmed Investment property. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 9.97 mths in reserves <br>LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV is less than 53.49% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4998869 |
| XXXX | 677652 | XXXX D A | Closed | FCRE0970 | 2025-07-16 13:32 | 2025-07-30 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-LOE from the states second home. See new finding - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Appraisal is correct as is, Please see page 574 - explanation letter for subject shows current use is as a second home. The REO has been owned since XXXX and this is a nonmaterial finding, please clear. - Seller-07/28/2025 <br> Counter-Please provide a revised appraisal. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Disagree, due to Appraisal may have the owner occupied box marked, however the REO is currently qualifying without any rents used to qualify and the finding has no bearing on the qualifying parameters. Please clear - Seller-07/18/2025 <br> Open-Appraisal reflects that subject is "Owner Occupied", however the subject is an Investment property. Missing is the correction to reflect subject is either "tenant of vacant" as the occupancy. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Appraisal is correct as is, Please see page 574 - explanation letter for subject shows current use is as a second home. The REO has been owned since XXXX and this is a nonmaterial finding, please clear. - Seller-07/28/2025 <br> Ready for Review-Disagree, due to Appraisal may have the owner occupied box marked, however the REO is currently qualifying without any rents used to qualify and the finding has no bearing on the qualifying parameters. Please clear - Seller-07/18/2025 | Resolved-LOE from the states second home. See new finding - Due Diligence Vendor-07/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 9.97 mths in reserves <br>LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV is less than 53.49% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4838940 |
| XXXX | 677652 | XXXX D A | Closed | FCRE1764 | 2025-07-16 14:38 | 2025-07-22 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-After further review, lender provided VOM and Credit refresh for mortgage reflecting next payment due. Both mortgages are current and not reflecting late. Condition resolved. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see attached <br> XXXX MTG Current, next payment XXXX, with no lates <br> XXXX 1st MTG Current, next payment XXXX, with no lates<br> XXXX 2nd MTG Current, next payment XXXX, with no lates. <br> - Seller-07/18/2025 <br> Open-Exception request: Seeking exception to proceed without mortgage statement. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see attached <br> XX MTG Current, next payment XXXX, with no lates <br> XXXX 1st MTG Current, next payment XXXX, with no lates<br> XXXX 2nd MTG Current, next payment XXXX, with no lates. <br> - Seller-07/18/2025 | Resolved-After further review, lender provided VOM and Credit refresh for mortgage reflecting next payment due. Both mortgages are current and not reflecting late. Condition resolved. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 9.97 mths in reserves <br>LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV is less than 53.49% | - LTV 5% below minimum<br> - FICO 20+ points above minimum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4840465 |
| XXXX | 678431 | XXXX D B C A | Closed | FCRE0970 | 2025-07-22 15:06 | 2025-08-06 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received confirmation the Appraisal was order through an AMC - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Ready for Review-Please see attached. - Seller-08/05/2025 <br> Counter-After review, unable to locate documentation to support was ordered through XXXX - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Pg 11 of 38 of the appraisal report shows the appraisal report was ordered through XXXX. Please waive this finding. - Seller-07/29/2025 <br> Counter-Transfer letter provided. Original finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/25/2025 <br> Open-\*New\* All appraisals must be ordered through an Appraisal Management Company (AMC) - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Ready for Review-Please see attached. - Seller-08/05/2025 <br>Ready for Review-Pg 11 of 38 of the appraisal report shows the appraisal report was ordered through XXXX. Please waive this finding. - Seller-07/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/25/2025<br>| Resolved-Received confirmation the Appraisal was order through an AMC - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - DTI of 43.94% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 8.38 months exceeds the minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4908937 |
| XXXX | 678431 | XXXX D B C A | Closed | FPRO1242 | 2025-07-17 07:56 | 2025-07-22 15:03 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/18/2025 <br>Open-Appraisal is Missing for subject property. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/18/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - DTI of 43.94% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 8.38 months exceeds the minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4848862 |
| XXXX | 678431 | XXXX D B C A | Closed | FCRE1194 | 2025-07-17 08:32 | 2025-07-17 09:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 80% LTV. Non-material waiver applied to finding with compensating factors. non-material due to DTI of 43.94% with max of 50% and 8 months of reserves. - Due Diligence Vendor-07/17/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Exception in file to Allow to 80% LTV with 662 FICO - Due Diligence Vendor-07/17/2025 |  | Waived-Originator exception granted to allow 80% LTV. Non-material waiver applied to finding with compensating factors. non-material due to DTI of 43.94% with max of 50% and 8 months of reserves. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - DTI of 43.94% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 8.38 months exceeds the minimum required of 6 months | DTI 5% below max<br> Matrix Updated | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4849227 |
| XXXX | 679229 | XXXX C A | Closed | FCRE1510 | 2025-07-16 22:19 | 2025-07-22 15:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2025<br>| Resolved-Received Legal Description. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 763 is higher than the minimum FICO required of 640<br>Months Reserves exceed minimum required - Verified assets of 7.94 months exceeds the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4845819 |
| XXXX | 679267 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 680318 | XXXX C B A | Closed | FCRE1197 | 2025-07-17 15:31 | 2025-07-18 17:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO of 646 is less than Guideline FICO of 660. Non-material waiver applied to finding with compensating factors. non-material due to 22.55% DTI and 87.91 months reserves. - Due Diligence Vendor-07/17/2025 <br> Open-Audited FICO of 646 is less than Guideline FICO of 660 Exception Request: Per XXXX Alt Doc, Cash Out Min FICO 660. Borrower's FICO 646. <br> - Due Diligence Vendor-07/17/2025 |  | Waived-Originator exception granted to allow FICO of 646 is less than Guideline FICO of 660. Non-material waiver applied to finding with compensating factors. non-material due to 22.55% DTI and 87.91 months reserves. - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 87.91 mths in reserves<br>Qualifying DTI below maximum allowed - 22.55% DTI with 50% max | - DTI is 5% below max<br> -4+ years in primary residence<br> - credit history 0x30 last 24 months<br> - years on job 10 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4857952 |
| XXXX | 680332 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 681594 | XXXX D B A | Closed | FCRE8887 | 2025-07-18 14:11 | 2025-07-23 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Final 1003. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2025 <br>Open-Missing final 1003. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2025<br>| Resolved-Received Final 1003. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 22.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4872302 |
| XXXX | 681594 | XXXX D B A | Closed | FCRE7497 | 2025-07-18 14:13 | 2025-07-23 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for XXXX - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please see attached PITIA documented payment for XXXX. - Seller-07/21/2025 <br> Open-Missing the PITIA documented payment for XXXX. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Please see attached PITIA documented payment for XXXX. - Seller-07/21/2025 | Resolved-Received CD for XXXX - Due Diligence Vendor-07/23/2025 | Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 22.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4872327 |
| XXXX | 681594 | XXXX D B A | Closed | FCRE6914 | 2025-07-18 14:14 | 2025-07-23 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Received Renewal Receipt. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached Driver's License receipt for renewal - Seller-07/21/2025 <br> Open-Missing proof that the borrower's Driver's License was updated, since the copy we have expired XXXX. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached Driver's License receipt for renewal - Seller-07/21/2025<br>| Resolved-Received Renewal Receipt. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 22.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4872352 |
| XXXX | 681594 | XXXX D B A | Closed | FCRE1440 | 2025-07-18 13:52 | 2025-07-21 10:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow first time investor with no housing history, Non-material waiver applied with comp factors. non-material due to 24+ month credit history exceeds minimum - Due Diligence Vendor-07/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception Request: To allow a first time investor living rent free with no 12 months housing or mortgage history. - Due Diligence Vendor-07/18/2025 |  | Waived-Originator exception granted to allow first time investor with no housing history, Non-material waiver applied with comp factors. non-material due to 24+ month credit history exceeds minimum - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 22.8 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 686 | - Qualifying FICO is at least 20 points above the minimum for program<br> - 24+ month credit history exceeds minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4871983 |
| XXXX | 681979 | XXXX D A | Closed | FCRE0044 | 2025-07-24 16:00 | 2025-07-29 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/25/2025 <br>Open-LOX for credit inquiries is missing. \*New\* - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/25/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 46.40%<br>Credit history exceeds minimum required - Borrower has 0X30 credit history reporting since 2005, with 0X30 mortgage history since 8.2024. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4939498 |
| XXXX | 681979 | XXXX D A | Closed | FCRE8701 | 2025-07-21 08:47 | 2025-07-24 15:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Trust Cert. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/22/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Provide missing Exhibit B to the notarized Trust Cert provided. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/22/2025<br>| Resolved-Received Trust Cert. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 46.40%<br>Credit history exceeds minimum required - Borrower has 0X30 credit history reporting since 2005, with 0X30 mortgage history since 8.2024. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4884059 |
| XXXX | 681979 | XXXX D A | Closed | FCRE5770 | 2025-07-21 09:21 | 2025-07-24 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/22/2025 <br>Open-Borrower 1 Credit Report is Missing. Provide missing original credit report. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/22/2025<br>| Resolved-Received credit report. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 46.40%<br>Credit history exceeds minimum required - Borrower has 0X30 credit history reporting since 2005, with 0X30 mortgage history since 8.2024. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4884470 |
| XXXX | 682778 | XXXX C A | Closed | FCRE1510 | 2025-07-16 11:34 | 2025-07-31 17:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT/Legal - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. please find the dot w legal on the last page - Seller-07/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. please find the dot w legal on the last page - Seller-07/29/2025<br>| Resolved-Received DOT/Legal - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - 70% allowed, subject 28.19%<br>Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 654. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4836383 |
| XXXX | 683418 | XXXX B A | Closed | FCRE8201 | 2025-07-21 13:12 | 2025-07-21 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for - to waive title seasoning for Cash-Out refinance [ current guide requires 3 months title seasoning for cash out refinance ] . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/21/2025 <br> Open-Lender Exception Granted: Approved to waive title seasoning for cash-out refi, current guides requires 3 months title seasoning for cash-out. Subject to deed granting borrower LLC dated XXXX (Provided in file). - Due Diligence Vendor-07/21/2025 |  | Waived-Originator exception granted to allow for - to waive title seasoning for Cash-Out refinance [ current guide requires 3 months title seasoning for cash out refinance ] . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/21/2025<br>| DSCR % greater than 1.20 - Lender minimum DSCR 1.0, borrower DSCR 1.545.<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 23.70%. | 1. LTV 5% below maximum(2XX)<br> 2. DSCR is over 1.25. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4890301 |
| XXXX | 684061 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 684752 | XXXX D A C | Closed | FCRE1506 | 2025-07-18 14:04 | 2025-08-08 16:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Counter-Received business bank statement analysis reflecting expense factor considered-Missing business narrative supporting - Business Analysis Questionnaire per guidelines. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. expense factor is on income worksheet please clear. - Seller-08/04/2025 <br> Counter-Pending final income expense factor. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. 12 mo bank stmts were uploaded. - Seller-07/28/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing twelve months statements of the XXXX business Bank account ending XXXX used to calculate income. Only 2 statements from this business account were found in file. XXXX page 134 and XXXX page 150. Without the 10 missing bank statements the income calculation cannot be made. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. expense factor is on income worksheet please clear. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. 12 mo bank stmts were uploaded. - Seller-07/28/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/08/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4872189 |
| XXXX | 684752 | XXXX D A C | Closed | FCRE1342 | 2025-07-18 13:13 | 2025-08-08 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business narrative supporting expense factor. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. questionnaire for review. please clear. - Seller-08/06/2025 <br> Counter-Received business bank statement analysis reflecting expense factor considered-Missing business narrative supporting - Business Analysis Questionnaire per guidelines. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. expense factor on the income worksheet attached. - Seller-08/04/2025 <br> Counter-Received bank statements-reviewer is unable to determine expense factor considered. Missing Narrative. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. please find bank stmts for review. - Seller-07/28/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing twelve months statements of the XXXX business Bank account ending XXXX used to calculate income. Only 2 statements from this business account were found in file. XXXX page 134 and XXXX page 150. Without the 10 missing bank statements the income calculation cannot be made. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. questionnaire for review. please clear. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. expense factor on the income worksheet attached. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. please find bank stmts for review. - Seller-07/28/2025<br>| Resolved-Received business narrative supporting expense factor. - Due Diligence Vendor-08/08/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4871177 |
| XXXX | 684752 | XXXX D A C | Closed | FCRE1198 | 2025-07-18 14:08 | 2025-07-30 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received sufficient reserves. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. per file we have over 7 mo assets, please review and advise. - Seller-07/28/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Per assets provided - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. per file we have over 7 mo assets, please review and advise. - Seller-07/28/2025<br>| Resolved-Received sufficient reserves. - Due Diligence Vendor-07/30/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4872256 |
| XXXX | 684752 | XXXX D A C | Closed | FCRE9501 | 2025-07-18 13:58 | 2025-07-30 17:12 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received gift funds for sufficient funds for closing. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. assets we have more than 7 months please re review. - Seller-07/28/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-21822.01'. Assets are Insufficient. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. assets we have more than 7 months please re review. - Seller-07/28/2025<br>| Resolved-Received gift funds for sufficient funds for closing. - Due Diligence Vendor-07/30/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4872081 |
| XXXX | 684752 | XXXX D A C | Closed | FCRE1510 | 2025-07-17 14:21 | 2025-07-30 16:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. please find the dot w legal on last page - Seller-07/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. please find the dot w legal on last page - Seller-07/28/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/30/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4856311 |
| XXXX | 684752 | XXXX D A C | Closed | finding-3634 | 2025-07-17 13:41 | 2025-07-22 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Zero (0%) tolerance fees increased by $300 (Credit Report Fee and Transfer Taxes) without a valid COC in file. Lender credit of $331 on final CD. Finding resolved<br> - Due Diligence Vendor-07/22/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $300 (Credit Report Fee and Transfer Taxes) without a valid COC in file. Lender credit of $331 on final CD. Finding resolved - Due Diligence Vendor-07/17/2025 |  | Resolved------ Zero (0%) tolerance fees increased by $300 (Credit Report Fee and Transfer Taxes) without a valid COC in file. Lender credit of $331 on final CD. Finding resolved<br> - Due Diligence Vendor-07/22/2025<br>| Verified employment history exceeds guidelines - borrower owned business since 2012. <br>Qualifying DTI below maximum allowed - 39.39% DTI is below max of 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4855312 |
| XXXX | 685388 | XXXX C B A | Closed | FCRE1198 | 2025-07-23 08:37 | 2025-07-23 09:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 5.48 months reserves vs required 6, Non-material waiver applied with comp factors. non-material due to less than 1 month short of guideline requirement. - Due Diligence Vendor-07/23/2025 <br>Open-Audited Reserves of 5.48 month(s) are less than Guideline Required Reserves of 6 month(s) Exception request in file for borrower not meeting 6 months reserves. - Due Diligence Vendor-07/23/2025 |  | Waived-Originator exception granted to allow 5.48 months reserves vs required 6, Non-material waiver applied with comp factors. non-material due to less than 1 month short of guideline requirement. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 75 months<br>Qualifying DTI below maximum allowed - DTI of 32.77% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4915610 |
| XXXX | 685796 | XXXX C B A | Closed | FCRE1198 | 2025-09-04 15:52 | 2025-09-04 15:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 1.58 month(s) are less than Guideline Required Reserves of 6 month(s) Originator provided a waiver to waive the reserve requirement , applied to non material finding with comp factors<br> - Due Diligence Vendor-09/04/2025 |  | Waived-Audited Reserves of 1.58 month(s) are less than Guideline Required Reserves of 6 month(s) Originator provided a waiver to waive the reserve requirement , applied to non material finding with comp factors<br> - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 105.77m. | LTV is 5% less than guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5416473 |
| XXXX | 685796 | XXXX C B A | Closed | FCRE1480 | 2025-07-23 10:59 | 2025-09-04 15:49 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Originator provided a waiver to waive the reserve requirement , applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Counter-Asset is required for reserve requirements. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-The requested document is immaterial as the borrower does not need the assets for closing or qualification. The primary account ending XXXX has more than sufficient assets verified for the subject transaction. - Seller-07/23/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing separate monthly statement covering (1) month period for account ending XXXX - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Ready for Review-The requested document is immaterial as the borrower does not need the assets for closing or qualification. The primary account ending XXXX has more than sufficient assets verified for the subject transaction. - Seller-07/23/2025 | Waived-Originator provided a waiver to waive the reserve requirement , applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 105.77m. | LTV is 5% less than guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 4918183 |
| XXXX | 685796 | XXXX C B A | Closed | FCRE1481 | 2025-07-23 10:59 | 2025-09-04 15:42 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Asset Record 3 Does Not Meet G/L Requirements Originator provided a waiver to waive the reserve requirement of 6months, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Counter-Asset is required for reserve requirements. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-The requested document is immaterial as the borrower does not need the assets for closing or qualification. The primary account ending XXXX has more than sufficient assets verified for the subject transaction. - Seller-07/23/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing separate monthly statement covering (1) month period for account ending XXXX - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Ready for Review-The requested document is immaterial as the borrower does not need the assets for closing or qualification. The primary account ending XXXX has more than sufficient assets verified for the subject transaction. - Seller-07/23/2025 | Waived-Asset Record 3 Does Not Meet G/L Requirements Originator provided a waiver to waive the reserve requirement of 6months, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 105.77m. | LTV is 5% less than guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 4918185 |
| XXXX | 685796 | XXXX C B A | Closed | FCRE8201 | 2025-07-23 09:33 | 2025-08-15 13:22 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, the file contained a copy of an unexpired VISA. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please review attached passport exp XXXX - Seller-08/13/2025 <br> Open-Provide valid and unexpired passport. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please review attached passport exp XXXX- Seller-08/13/2025 | Resolved-Upon further review, the file contained a copy of an unexpired VISA. - Due Diligence Vendor-08/15/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 105.77m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4916436 |
| XXXX | 686781 | XXXX C A | Closed | FCRE1198 | 2025-07-24 09:18 | 2025-07-28 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the reserves were met. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Please note per guidelines, section 9.7 Reserves "Net proceeds from a cash-out transaction may be used to meet reserve requirements". The 9 mo. reserves total $124,008.66 and according to the Final CD the borrower received $163,867 in cash out proceeds. - Seller-07/24/2025 <br>Open-Audited Reserves of 8.22 month(s) are less than Guideline Required Reserves of 9 month(s) Verified assets do not cover minimum requirement of 9 months reserves required per guidelines. - Due Diligence Vendor-07/24/2025 | Ready for Review-Please note per guidelines, section 9.7 Reserves "Net proceeds from a cash-out transaction may be used to meet reserve requirements". The 9 mo. reserves total $124,008.66 and according to the Final CD the borrower received $163,867 in cash out proceeds. - Seller-07/24/2025<br>| Resolved-Upon further review, the reserves were met. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 708 Fico; Guideline min fico 700<br>Months Reserves exceed minimum required - 11.92 months reserves; months required 9 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4930829 |
| XXXX | 686781 | XXXX C A | Closed | FCRE1193 | 2025-07-24 09:18 | 2025-07-28 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated Income -$1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. DTI = 49.36% - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Please note the additional $1,562/mth, included in the income calculation, is the XX reported on the P&L. The borrower is 100% owner of the business; therefore, XX would have been paid to the borrower and allowed to be added back. Income used was calculated as follows: $1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. - Seller-07/25/2025 <br> Counter-Divorce decree in file; however, please provide evidence of at least six months receipt of the child support., per section 5.2.3 of the guidelines. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Please note the borrower received Child Support in the amount of $1500/mo. according to the decree delivered with the loan file. Per guidelines, section "The full amount of qualifying child support income may be treated as nontaxable and grossed up at 25% without supporting documentation verifying the nontaxable status". Including the $1500 maintains the DTI below 50%. - Seller-07/24/2025 <br> Open-Audited DTI of 51.18% exceeds Guideline DTI of 50% DTI exceeds the max allowed per guidelines of 50% - Due Diligence Vendor-07/24/2025 | Ready for Review-Please note the additional $1,562/mth, included in the income calculation, is the XX reported on the P&L. The borrower is 100% owner of the business; therefore, XX would have been paid to the borrower and allowed to be added back. Income used was calculated as follows: $1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. - Seller-07/25/2025 <br> Ready for Review-Please note the borrower received Child Support in the amount of $1500/mo. according to the decree delivered with the loan file. Per guidelines, section "The full amount of qualifying child support income may be treated as nontaxable and grossed up at 25% without supporting documentation verifying the nontaxable status". Including the $1500 maintains the DTI below 50%. - Seller-07/24/2025 | Resolved-Updated Income -$1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. DTI = 49.36% - Due Diligence Vendor-07/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 708 Fico; Guideline min fico 700<br>Months Reserves exceed minimum required - 11.92 months reserves; months required 9 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4930830 |
| XXXX | 686781 | XXXX C A | Closed | FCRE1507 | 2025-07-24 09:24 | 2025-07-28 14:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Please note the additional $1,562/mth, included in the income calculation, is the XX reported on the P&L. The borrower is 100% owner of the business; therefore, XX would have been paid to the borrower and allowed to be added back. Income used was calculated as follows: $1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. - Seller-07/25/2025 <br> Counter-Divorce decree in file; however, please provide evidence of at least six months receipt of the child support., per section 5.2.3 of the guidelines. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Please note the borrower received Child Support in the amount of $1500/mo. according to the decree delivered with the loan file. Per guidelines, section "The full amount of qualifying child support income may be treated as nontaxable and grossed up at 25% without supporting documentation verifying the nontaxable status". Including the $1500 maintains the DTI below 50%. - Seller-07/24/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. DTI exceeds the max. allowed per guidelines. Auditor used 2 year profit and loss statement to calculate income. - Due Diligence Vendor-07/24/2025 | Ready for Review-Please note the additional $1,562/mth, included in the income calculation, is the XX reported on the P&L. The borrower is 100% owner of the business; therefore, XX would have been paid to the borrower and allowed to be added back. Income used was calculated as follows: $1,019,139.91 (24 Month Net Income from P&L) + $XX (XX) = $1,056,639.91 / 24 mths = $44,026.66/mth. - Seller-07/25/2025 <br> Ready for Review-Please note the borrower received Child Support in the amount of $1500/mo. according to the decree delivered with the loan file. Per guidelines, section "The full amount of qualifying child support income may be treated as nontaxable and grossed up at 25% without supporting documentation verifying the nontaxable status". Including the $1500 maintains the DTI below 50%. - Seller-07/24/2025 | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 708 Fico; Guideline min fico 700<br>Months Reserves exceed minimum required - 11.92 months reserves; months required 9 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4930936 |
| XXXX | 686781 | XXXX C A | Closed | FCRE1148 | 2025-07-24 11:17 | 2025-07-25 14:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title covergae - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/24/2025<br>| Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 708 Fico; Guideline min fico 700<br>Months Reserves exceed minimum required - 11.92 months reserves; months required 9 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4933519 |
| XXXX | 694923 | XXXX C A | Closed | FCRE1510 | 2025-07-24 11:51 | 2025-07-31 18:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal description attached provided, please clear finding. - Seller-07/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description was not attached to the mortgage. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Mortgage with legal description attached provided, please clear finding. - Seller-07/30/2025<br>| Resolved-Received Mortgage w/Legal - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - 6 months required, subject 19.1 months. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, subject 731. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4934490 |
| XXXX | 696471 | XXXX D B A | Closed | FCRE1506 | 2025-07-29 08:47 | 2026-02-04 14:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. 1003 showing both SE has been provided, please clear finding. - Seller-08/07/2025 <br> Counter-Received business bank statements for both accounts. Account statements confirm 2 different business entity. Missing final 1003 reflecting each entity and income considered. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. All bank statements for accounts ending in XXXX & XXXX provided, please clear finding. - Seller-07/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 months business bank statements for the accounts ending in XXXX & XXXX. Only 1 statement provided for each account only. Additional conditions may apply - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. 1003 showing both SE has been provided, please clear finding. - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. All bank statements for accounts ending in XXXX & XXXX provided, please clear finding. - Seller-07/31/2025 | Resolved-Received missing income documentation. - Due Diligence Vendor-08/11/2025<br>| LTV is less than guideline maximum - LTV 85% is lower than maximum 90%<br>Months Reserves exceed minimum required - 34.67 mos reserves; 6 mos required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4976558 |
| XXXX | 696471 | XXXX D B A | Closed | FCOM1301 | 2025-07-25 12:15 | 2025-08-12 15:17 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025<br>| LTV is less than guideline maximum - LTV 85% is lower than maximum 90%<br>Months Reserves exceed minimum required - 34.67 mos reserves; 6 mos required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4949112 |
| XXXX | 696471 | XXXX D B A | Closed | FCRE1342 | 2025-07-28 11:41 | 2025-08-11 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received Bank Statements and corrected 1003. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. 1003 showing both XXXX has been provided, please clear finding. - Seller-08/07/2025 <br> Counter-Received business bank statements for both accounts. Account statements confirm 2 different business entity. Missing final 1003 reflecting each entity and income considered. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-All bank statements for accounts ending in XXXX & XXXX provided, please clear finding. - Seller-07/31/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing 12 months business bank statements for the accounts ending in XXXX & XXXX. Only 1 statment provided for each account only. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. 1003 showing both SE has been provided, please clear finding. - Seller-08/07/2025 <br> Ready for Review-All bank statements for accounts ending in XXXX & XXXX provided, please clear finding. - Seller-07/31/2025 | Resolved-Received Bank Statements and corrected 1003. - Due Diligence Vendor-08/11/2025<br>| LTV is less than guideline maximum - LTV 85% is lower than maximum 90%<br>Months Reserves exceed minimum required - 34.67 mos reserves; 6 mos required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4966022 |
| XXXX | 696471 | XXXX D B A | Closed | FCRE7497 | 2025-07-28 11:43 | 2025-08-01 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of impounds and no HOA. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Copy of the mortgage rating showing account is current, this is a XXXX loan that includes the taxes and insurance. Per XXXX there is no HOA. Please clear finding. - Seller-07/31/2025 <br> Open-Missing the mortgage statement and verification of taxes and insurance and any HOA dues for the REO XX - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Copy of the mortgage rating showing account is current, this is a XXXX loan that includes the taxes and insurance. Per XXXX there is no HOA. Please clear finding. - Seller-07/31/2025 | Resolved-Received confirmation of impounds and no HOA. - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - LTV 85% is lower than maximum 90%<br>Months Reserves exceed minimum required - 34.67 mos reserves; 6 mos required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4966060 |
| XXXX | 696476 | XXXX D A | Closed | FCRE7497 | 2025-07-30 09:19 | 2025-09-09 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for XXXX - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Current mortgage statement and internet printout from XX showing no HOA provided for full PITIA info. No impact on DTI. - Seller-09/08/2025 <br>Open-Missing mortgage statement, taxes, insurance and HOA (if applicable) for property XXXX - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Current mortgage statement and internet printout from XX showing no HOA provided for full PITIA info. No impact on DTI. - Seller-09/08/2025<br>| Resolved-Received PITIA validation for XXXX - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600, borrowers mid score is 696<br>LTV is less than guideline maximum - Max LTV for M/H refi is 60%, borrowers LTV is 53.51% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4991616 |
| XXXX | 700655 | XXXX C A | Closed | FCRE1232 | 2025-08-08 09:36 | 2025-09-03 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Matrix updated to the XXXX matrix. Max 70% LTV for a DSCR less than 1.2 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Please waive as the XXXX DSCR matrix prescribes the following FN requirement: "Max 75% Purch / 70% Refi; If LTV > 70% Purch, >65% Refi, DSCR ≥ 1.2 required. Price at 700 FICO"<br> In this case the LTV is 70% so the minimum 1.2 DSCR ratio does not apply.<br> - Seller-09/03/2025 <br> Counter-Foreign nation requirements state DSCR must be equal or greater than 1.2. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Please waive as the 1.2 minimum DSCR ratio applies to FN with LTVs > 70%. In this case the LTV is 70% so the minimum 1.2 DSCR ratio does not apply. - Seller-08/26/2025 <br> Open-The Calculated DSCR of '0.846' is less than the minimum DSCR per lender guidelines of '1.2'. Foreign National overlay per matrix Purchase > 65% CLTV Requires 1.20 Min DSCR - Due Diligence Vendor-08/08/2025 | Ready for Review-Please waive as the XXXX DSCR matrix prescribes the following FN requirement: "Max 75% Purch / 70% Refi; If LTV > 70% Purch, >65% Refi, DSCR ≥ 1.2 required. Price at 700 FICO"<br> In this case the LTV is 70% so the minimum 1.2 DSCR ratio does not apply.<br> - Seller-09/03/2025 <br> Ready for Review-Please waive as the 1.2 minimum DSCR ratio applies to FN with LTVs > 70%. In this case the LTV is 70% so the minimum 1.2 DSCR ratio does not apply. - Seller-08/26/2025 | Resolved-Matrix updated to the 1.21.25 matrix. Max 70% LTV for a DSCR less than 1.2 - Due Diligence Vendor-09/03/2025<br>| Long term residence - Per 1003, at residence over 2 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5108475 |
| XXXX | 713532 | XXXX D A | Closed | FPRO1256 | 2025-08-08 14:29 | 2025-09-02 09:50 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received confirmation HOA is not involved in litigation. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. APS research confirming no litigation - Seller-08/29/2025 <br>Counter-Received email and income documentation-original finding remains-HOA questionnaire is incomplete- Missing question #9 to be completed. Additional findings may apply. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Docs uploaded showing no litigation - Seller-08/13/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing question #9 to be completed. Additional findings may apply. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. APS research confirming no litigation - Seller-08/29/2025 <br>Ready for Review-Docs uploaded showing no litigation - Seller-08/13/2025<br>| Resolved-Received confirmation HOA is not involved in litigation. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 29.67% and max allowed is 45% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5115369 |
| XXXX | 713532 | XXXX D A | Closed | FCRE8013 | 2025-08-08 14:43 | 2025-09-02 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-After further review, the seller concession listed on the COS was reduced because the amount exceeded the closing costs. - Due Diligence Vendor-08/11/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum reflecting the seller credit in the amount of XXXX. - Due Diligence Vendor-08/08/2025 |  | Resolved-After further review, the seller concession listed on the COS was reduced because the amount exceeded the closing costs. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 29.67% and max allowed is 45% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5115732 |
| XXXX | 713532 | XXXX D A | Closed | FCRE7806 | 2025-08-08 15:33 | 2025-08-21 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received revised income documentation. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded updated 1003, 1008 and updated income worksheets for both of borrowers accounts used for income calculation along with the bank statements used. - Seller-08/19/2025 <br> Counter-Received business bank statement analysis for both borrowers-income on worksheet does not support qualifying income considered on final 1003/1008. Please provide final worksheet considered in qualifying-please note audit received XXXX statements. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. income worksheets uploaded - Seller-08/14/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing MIssing Bank Statement Worksheet for the Borrower. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Uploaded updated 1003, 1008 and updated income worksheets for both of borrowers accounts used for income calculation along with the bank statements used. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. income worksheets uploaded - Seller-08/14/2025<br>| Resolved-Received revised income documentation. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 29.67% and max allowed is 45% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5116854 |
| XXXX | 714178 | XXXX D A | Closed | FCRE6546 | 2025-08-20 11:06 | 2025-08-25 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received Subordination agreements for both UCC. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. XXXX and XXXX are solar energy companies, and this was accounted for in the DTI calculation. There is a UCC attached to title. Please see attached - subordination agreement, title report, XXXX statement pg 175 of 187 and XXXX statement pg 172 of 187. Please clear this finding. - Seller-08/21/2025 <br> Open-Missing terms / balance and payment amount for subordinate financing as reflected on the 1008. Additional conditions may apply. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. XXXX and XXXX are solar energy companies, and this was accounted for in the DTI calculation. There is a UCC attached to title. Please see attached - subordination agreement, title report, XXXX statement pg 175 of 187 and XXXX statement pg 172 of 187. Please clear this finding. - Seller-08/21/2025<br>| Resolved-Received Subordination agreements for both UCC. - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 110.99 documented<br>LTV is less than guideline maximum - Max LTV is 65%, borrowers LTV is 36.19% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5248559 |
| XXXX | 714656 | XXXX D B A | Closed | FCRE1728 | 2025-08-25 07:51 | 2025-08-27 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received 1007 - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached . - Seller-08/26/2025 <br>Open-Missing rent schedule on the appraisal. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached . - Seller-08/26/2025<br>| Resolved-Received 1007 - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Reserves = 9 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5297137 |
| XXXX | 714656 | XXXX D B A | Closed | FPRO1253 | 2025-08-24 13:27 | 2025-08-27 15:43 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025 <br>Open-Appraisal and Secondary Valuation Product are both missing - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Reserves = 9 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5294622 |
| XXXX | 714656 | XXXX D B A | Closed | FPRO1242 | 2025-08-24 13:27 | 2025-08-27 15:43 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received 1004 appraisal. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025 <br>Open-Appraisal is Missing Appraisal and Secondary Valuation Product are both missing - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025<br>| Resolved-Received 1004 appraisal. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Reserves = 9 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5294621 |
| XXXX | 714656 | XXXX D B A | Closed | FCOM1352 | 2025-08-25 07:48 | 2025-08-27 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose disclosure missing. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Reserves = 9 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5297110 |
| XXXX | 714656 | XXXX D B A | Closed | FCRE6019 | 2025-08-25 07:56 | 2025-08-25 07:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator exception granted to allow proceed with borrowers XXXX in lieu of a XXXX Non-material waiver applied with comp factors. non-material due to reserves 3+ months. - Due Diligence Vendor-08/25/2025 <br> Open-Seeking exception to proceed with borrowers XXXX in lieu of XXXX - Due Diligence Vendor-08/25/2025 |  | Waived-Originator exception granted to allow proceed with borrowers XXXXin lieu of a XXXX, Non-material waiver applied with comp factors. non-material due to reserves 3+ months. - Due Diligence Vendor-08/25/2025 | Months Reserves exceed minimum required - Reserves = 9 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 2+ years | Reserves 3+ months above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5297178 |
| XXXX | 715167 | XXXX C B A | Closed | FCRE8201 | 2025-08-11 08:00 | 2025-08-21 17:49 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-duplicate find to property listed for sale. Notice of default or list pendens filing resolved. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Please find attached. - Seller-08/21/2025 <br> Counter-Condition still Open - a listing expiration of less than 6 months is permitted with a prepayment penalty of 3 yrs . the listing must be cancelled per appraiser was cancelled XXXX . prepayment penalty has to be 3 yrs. subject is 12 months PPP.<br> VOM Cleared - Per Original Deed of Trust the Subject Property and Primary Residence are both Cross-Collateralized together - Pg 14 of DOT - Paragraph 32.6. VOM for Subject Property covers VOM for Primary Residence<br> Lis Pendis Cleared - Title pulled after Lis Pendis Date on Fraud Report and does not indicate any Lis Pendis. VOM for Subject Property 0x30x12 at time of Payoff.<br> - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. See attached. - Seller-08/19/2025 <br> Counter-Received VOM-unable to reconcile - finding remains-2)Notice of default or list pendens filing on XXXX. see pdf 1.5.9. 3) a listing expiration of less than 6 months is permitted with a prepayment penalty of 3 yrs . the listing must be cancelled per appraiser was cancelled XXXX . prepayment penalty has to be 3 yrs. subject is 12 months PPP. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please see attached from the UW. - Seller-08/15/2025 <br> Open- 2)Notice of default or list pendens filing on XXXX. see pdf 1.5.9. 3) a listing expiration of less than 6 months is permitted with a prepayment penalty of 3 yrs . the listing must be cancelled per appraiser was cancelled XXXX . prepayment penalty has to be 3 yrs. subject is 12 months PPP. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please find attached. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. See attached. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached from the UW. - Seller-08/15/2025<br>| Resolved-duplicate find to property listed for sale. Notice of default or list pendens filing resolved. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 760; minimum score 680.<br>Months Reserves exceed minimum required - 39.14 months PITIA reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5127683 |
| XXXX | 715167 | XXXX C B A | Closed | FCRE0970 | 2025-08-11 08:20 | 2025-08-21 17:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator waiver applied to non material finding with compensating factors. Appraisal transfer date is listed as XXXX, however the date is XXXX. Title and property profile confirm. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. The correction on the appraisal is minor and unfortunately it's a transferred appraisal. The year on the pages 567-568 is clearly a typo but the property profile supports the correct info is XXXX. Please find attached exception approval - requesting to waive this condition. - Seller-08/21/2025 <br> Counter-Received confirmation of typo-Appraiser to provide a revised appraiser per pdf 562 - subject was purchase XXXX for XXXX and on page pdg 567-568 reflects XXXX. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-This is a minor correction and appraisal was transferred. Please waive this condition. - Buyer-08/18/2025 <br> Counter-Please have appraiser correct typo. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-This is clearly a typo - can you please waive this condition? - Buyer-08/13/2025 <br> Open-Appraiser to provide a revised appraiser per pdf 562 - subject was purchase XXXX for XXXX and on page pdg 567-568 reflects XXXX.<br> - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. The correction on the appraisal is minor and unfortunately it's a transferred appraisal. The year on the pages 567-568 is clearly a typo but the property profile supports the correct info is XXXX. Please find attached exception approval - requesting to waive this condition. - Seller-08/21/2025 | Waived-Originator waiver applied to non material finding with compensating factors. Appraisal transfer date is listed as XXXX, however the date is XXXX. Title and property profile confirm. - Due Diligence Vendor-08/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 760; minimum score 680.<br>Months Reserves exceed minimum required - 39.14 months PITIA reserves; 6 months reserves required. | FICO score above program min. by 20 points or higher<br> Rate and Term Refi payment reduction ≥ 10% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5127899 |
| XXXX | 715167 | XXXX C B A | Closed | FCRE7810 | 2025-08-11 09:03 | 2025-08-21 12:39 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Per Original Deed of Trust the Subject Property and Primary Residence are both Cross-Collateralized together - Pg 14 of DOT - Paragraph 32.6. VOM for Subject Property covers VOM for Primary Residence Lis Pendens Cleared - Title pulled after Lis Pendens Date on Fraud Report and does not indicate any Lis Pendens. VOM for Subject Property 0x30x12 at time of Payoff. - Due Diligence Vendor-08/21/2025 <br> Counter-Received confirmation borrower came in with sufficient funds for delinquent taxes. Missing clarification on NOD of subject property. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please see attached - this was already cleared on the Fraud report. - Seller-08/15/2025 <br> Counter-Received confirmation borrower came in with sufficient funds for delinquent taxes. Missing clarification on NOD of subject property. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Borrower came in with their funds to close - please see attached documentation and PCCD. - Buyer-08/13/2025 <br> Open-Delinquent taxes total of $9621.20 paid on CD ; however loan does not conform for rate and term refi . <br> borrower also has notice of default recorded XXXX per fraud report. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached - this was already cleared on the Fraud report. - Seller-08/15/2025<br>| Resolved-Per Original Deed of Trust the Subject Property and Primary Residence are both Cross-Collateralized together - Pg 14 of DOT - Paragraph 32.6. VOM for Subject Property covers VOM for Primary Residence Lis Pendens Cleared - Title pulled after Lis Pendens Date on Fraud Report and does not indicate any Lis Pendens. VOM for Subject Property 0x30x12 at time of Payoff. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 760; minimum score 680.<br>Months Reserves exceed minimum required - 39.14 months PITIA reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5128350 |
| XXXX | 715167 | XXXX C B A | Closed | FCRE1440 | 2025-08-11 07:53 | 2025-08-21 09:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Per Original Deed of Trust the Subject Property and Primary Residence are both Cross-Collateralized together - Pg 14 of DOT - Paragraph 32.6. VOM for Subject Property covers VOM for Primary Residence - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Snapshot of the property profile for primary residence (XXXX) and prior recorded deed for the subject property (XXXX) are on the attached; the primary residence mortgage has a cross collateralized loan with the subject property. Once paid off with this transaction, the primary will be owned and free. There are no additional 6 months of housing history. - Buyer-08/19/2025 <br> Counter-Received property profiles- per guides 1.5.5.1.2 missing additional 6 months of housing payment history, with a copy of the Note . Also missing 12 months mortgage history for primary residence which is listed as a trust. additional conditions may apply. per Fraud report - Subject has notice of Default or list filing recording XXXX. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br> Counter-Received 1008-missing documentation on primary residence supporting cross collateralization. Finding remains. Housing History Does Not Meet Guideline Requirements VOM provided . per guides 1.5.5.1.2 missing additional 6 months of housing payment history, with a copy of the Note . Also missing 12 months mortgage history for primary residence which is listed as a trust. additional conditions may apply. per Fraud report - Subject has notice of Default or list filing recording XXXX. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. This was also addressed in the attached 1008: PRIMARY RESIDENCE MTG HAS A CROSS COLLATERALIZED LOAN WITH THE SUBJECT PROPERTY, ONCE PAID OFF WITH THIS TRANSACTION, THE PRIMARY WILL BE OWNED FREE AND CLEAR AGAIN. - Buyer-08/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOM provided . per guides 1.5.5.1.2 missing additional 6 months of housing payment history, with a copy of the Note . Also missing 12 months mortgage history for primary residence which is listed as a trust. additional conditions may apply.<br> per Fraud report - Subject has notice of Default or list filing recording 6/26/25. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025<br>| Resolved-Per Original Deed of Trust the Subject Property and Primary Residence are both Cross-Collateralized together - Pg 14 of DOT - Paragraph 32.6. VOM for Subject Property covers VOM for Primary Residence - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 760; minimum score 680.<br>Months Reserves exceed minimum required - 39.14 months PITIA reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5127606 |
| XXXX | 715167 | XXXX C B A | Closed | FCRE0137 | 2025-08-11 07:50 | 2025-08-20 17:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property is listed for sale | Waived-Originator provided a waiver for investment <6 months seasoning from MLS listing with 12 months prepay applied to non material finding with comp factors - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-08/19/2025 <br> Counter-Subject is investment property-must meet guidelines for 1.4.2 Listing Seasoning. Finding remains. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. This was addressed by the UW on the attached 1008: PROPERTY LISTED BETWEEN 3 - 6 MONTHS AGO (WITHDRAWN XXXX, APPLICATION DATE OF XXXX), ALLOWING FOR R/T ONLY TO USE APPRAISED VALUE TO QUALIFY. - Seller-08/13/2025 <br> Open-Per Appraisal subject property is listed for sale within 3-6 months. see pdg 570 listed for sale on XXXX it was withdrawn on XXXX. <br> per guidelines must be seasoned at least 6 months from the listing contract expiration date to the loan application. per guides you need to have 3 yrs prepay. this has 12 months prepay.<br> Missing Letter of explanation from borrower regarding subject listed for sale.<br> - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-08/19/2025 <br> Ready for Review-Document Uploaded. This was addressed by the UW on the attached 1008: PROPERTY LISTED BETWEEN 3 - 6 MONTHS AGO (WITHDRAWN XXXX, APPLICATION DATE OF XXXX), ALLOWING FOR R/T ONLY TO USE APPRAISED VALUE TO QUALIFY. - Seller-08/13/2025 | Waived-Originator provided a waiver for investment <6 months seasoning from MLS listing with 12 months prepay applied to non material finding with comp factors - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 760; minimum score 680.<br>Months Reserves exceed minimum required - 39.14 months PITIA reserves; 6 months reserves required. | Current employment >48 months<br> Current residence>48 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5127571 |
| XXXX | 715319 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 715516 | XXXX D A C | Closed | FCRE1197 | 2025-08-27 09:00 | 2025-09-03 16:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the matrix states to use Full-lite doc matrix for bank statement income. Audited FICO of 642 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Page 5 of the previously uploaded matrix states \*Bank Statements: Please Refer to XX XXXX XX - XX XX for Eligibility. Please see attached - Seller-08/29/2025 <br> Counter-Subject loan was submitted with Alt Doc-Lite matrix. This matrix does not say to refer to Full Doc Lite. 660 minimum FICO is required for Purchase of a Primary and LTV of 80% - Due Diligence Vendor-08/29/2025 <br> Ready for Review-The eligibility for Personal or Business Bank statements is based on the XXXX Lite-Full Doc Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/28/2025 <br> Counter-Loan approval and Tape reflect program as XXXX Lite Alt Doc 30 year fixed -680 fico required. Please advise. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Personal Bank statement income verification and per the attached XXXX matrix, dated XXXX, the eligibility for Personal or Business Bank statements is based on the XXXX Lite-Full Doc Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/27/2025 <br> Open-Audited FICO of 642 is less than Guideline FICO of 680 Bwr FICO score below min FICO score as per guide/matrix, no exception evident on file. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Page 5 of the previously uploaded matrix states \*Bank Statements: Please Refer to XXXX XXXX for Eligibility. Please see attached - Seller-08/29/2025 <br> Ready for Review-The eligibility for Personal or Business Bank statements is based on the XXXX Lite-Full Doc Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Personal Bank statement income verification and per the attached XXXX matrix, dated XXXX, the eligibility for Personal or Business Bank statements is based on the XXXX Lite-XXXX (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/27/2025 | Resolved-Upon further review, the matrix states to use Full-lite doc matrix for bank statement income. Audited FICO of 642 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5330414 |
| XXXX | 715516 | XXXX D A C | Closed | finding-3635 | 2025-08-25 21:37 | 2025-08-29 07:29 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Service Provider list XXXX. Finding resolved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,804.10) exceed the comparable charges ($2,896.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (title fees in section C) increased by $618.50 without a valid COC in file. They are tested at 10% since the Service Provider list was not provided at same time as the initial LE. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $618.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. <br> - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received Service Provider list XXXX. Finding resolved. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5311444 |
| XXXX | 715516 | XXXX D A C | Closed | FCRE1252 | 2025-08-27 12:00 | 2025-08-28 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received preliminary title. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025 <br>Open-Title Document is Incomplete Title doc is encrypted. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025<br>| Resolved-Received preliminary title. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5334401 |
| XXXX | 720544 | XXXX C B A | Closed | FCRE1197 | 2025-08-14 12:27 | 2025-08-18 16:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow 6 point FICO finding. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Please find attached exception approval. - Buyer-08/15/2025 <br>Open-Audited FICO of 654 is less than Guideline FICO of 660 minimum FICO needed of 660 for a cash-out refi - Due Diligence Vendor-08/14/2025 |  | Waived-Originator exception granted to allow 6 point FICO finding. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - 6 months reserves required - borrower has 56.28 months<br>LTV is less than guideline maximum - 70% maximum LTV - loan has 65% LTV | Reserves exceed requirement by 6 months or more<br> 0x30 for 24 months on all mortgages<br> Current homeownership ≥ 48 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5179060 |
| XXXX | 720637 | XXXX C A | Closed | FCRE1199 | 2025-08-26 17:54 | 2025-09-04 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Received confirmation FICO 712 considered in qualifying-loan amount to XXXX to 80% LTV acceptable. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Disagree. For the XXXX P&L program, there is no reduction for 1x30x12 housing lates. The max loan amount permitted for 700 FICO 80% LTV is $XX. Please waive. - Seller-09/02/2025 <br> Counter-FICO 699, P&L doc type-max loan amount is $1,500,000 for 80% ltv-maxtrix XXXX Alt Doc Lite XXXX. Finding remains. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-I disagree. XXXX - Alt Doc Lite Matrix shows Max loan amount is $3,000,000. Please clear this finding. - Seller-08/28/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $1500000. Subject loan amount XXXX exceeds the max allowed. - Due Diligence Vendor-08/26/2025 | Ready for Review-Disagree. For the XXXX P&L program, there is no reduction for 1x30x12 housing lates. The max loan amount permitted for 700 FICO 80% LTV is XXXX. Please waive. - Seller-09/02/2025 <br> Ready for Review-I disagree. XXXX - Alt Doc Lite Matrix shows Max loan amount is $3,000,000. Please clear this finding. - Seller-08/28/2025 | Resolved-Received confirmation FICO 712 considered in qualifying-loan amount to XXXX to 80% LTV acceptable. - Due Diligence Vendor-09/04/2025 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 2 years<br>Months Reserves exceed minimum required - Borrower has 21.21 months of reserves and only 9 months to qualify. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5326677 |
| XXXX | 720637 | XXXX C A | Closed | FCRE1506 | 2025-08-26 17:41 | 2025-09-04 16:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide documentation for 3 (new XXXX loan) is not attached to borrowers name OR provide Final CD. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/29/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 2 years<br>Months Reserves exceed minimum required - Borrower has 21.21 months of reserves and only 9 months to qualify. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5326501 |
| XXXX | 720637 | XXXX C A | Closed | FCRE1440 | 2025-08-26 17:28 | 2025-09-04 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final CD for purchase of XXXX. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-Housing History Does Not Meet Guideline Requirements .Provide documentation for XXXX (new XXXX loan) is not attached to borrowers name OR provide Final CD. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received final CD for purchase of XXXX. - Due Diligence Vendor-08/29/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 2 years<br>Months Reserves exceed minimum required - Borrower has 21.21 months of reserves and only 9 months to qualify. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5326403 |
| XXXX | 720637 | XXXX C A | Closed | FCRE8013 | 2025-08-26 16:55 | 2025-09-04 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Disagree. The EMD is $69,300, or XX of the purchase price as indicated by the fully executed seller multiple counter offer #1. The additional funds deposits by the borrower in excess of the EMD were applied to cash to close. - Seller-09/02/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum reflecting correct EMD amount of $103,950. - Due Diligence Vendor-08/26/2025 | Ready for Review-Disagree. The EMD is $69,300, or XX of the purchase price as indicated by the fully executed seller multiple counter offer #1. The additional funds deposits by the borrower in excess of the EMD were applied to cash to close. - Seller-09/02/2025<br>| Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-09/04/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 2 years<br>Months Reserves exceed minimum required - Borrower has 21.21 months of reserves and only 9 months to qualify. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5326057 |
| XXXX | 722617 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 723914 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 724069 | XXXX D A | Closed | FCOM9400 | 2025-08-27 22:31 | 2025-08-29 15:44 | Resolved | 1 - Information D A | Property | Missing Doc | Property 1: Missing Second Valuation Product | Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-Missing second valuation product for subject property. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.65% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 19.85 months exceeds the minimum required of 0 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5342033 |
| XXXX | 724069 | XXXX D A | Closed | FPRO1253 | 2025-08-28 11:08 | 2025-08-29 15:43 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.65% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 19.85 months exceeds the minimum required of 0 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5347062 |
| XXXX | 728678 | XXXX D B C A | Closed | FCRE1193 | 2025-08-29 09:00 | 2025-09-17 17:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver dti >4XX applied to non material finding with comp factors - Due Diligence Vendor-09/17/2025 <br>Open-Audited DTI of 43.09% exceeds Guideline DTI of 4XX DTI exceeds program maximum of 4XX. - Due Diligence Vendor-08/29/2025 |  | Waived-Originator provided a waiver dti >4XX applied to non material finding with comp factors - Due Diligence Vendor-09/17/2025<br>| Long term residence - Borrower has resided in primary, subject residence since 2015.<br>Credit history exceeds minimum required - Borrower has 0X30 mortgage history reporting since 9.2015.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $7K residual income | Employment: 5+ years verified<br> Reserves: 3+ above minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5359126 |
| XXXX | 728678 | XXXX D B C A | Closed | FCRE6679 | 2025-08-29 09:24 | 2025-09-17 17:00 | Resolved | 1 - Information C A | Credit | Eligibility | Open Current Charge offs | Resolved-Received revised 1008/1003 and updated exception for ratios. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Counter-Received 1003 and 1008 reflecting liability included-DTI exceeds 43.00% without liability included and exception received. Including liability negates exception. Finding remains. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 Final 1003 . - Seller-09/11/2025 <br> Open-Provide supporting docs verifying the ability to leave the XXXX Charge Off open with balance reporting of $4,856 without including a payment based on 5% of balance in obligations. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 Final 1003 . - Seller-09/11/2025<br>| Resolved-Received revised 1008/1003 and updated exception for ratios. - Due Diligence Vendor-09/17/2025<br>| Long term residence - Borrower has resided in primary, subject residence since 2015.<br>Credit history exceeds minimum required - Borrower has 0X30 mortgage history reporting since 9.2015.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $7K residual income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5359445 |
| XXXX | 728678 | XXXX D B C A | Closed | FPRO1242 | 2025-08-29 07:57 | 2025-09-03 15:18 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br> Open-Appraisal is Missing Provide missing full appraisal dated XXXX - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-09/03/2025<br>| Long term residence - Borrower has resided in primary, subject residence since 2015.<br>Credit history exceeds minimum required - Borrower has 0X30 mortgage history reporting since 9.2015.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $7K residual income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5358360 |
| XXXX | 730605 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 731227 | XXXX D B A | Closed | FCRE7497 | 2025-09-02 09:35 | 2025-09-18 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received required REO documentation for XXXX - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/16/2025 <br>Open-Missing insurance information for REO XXXX. Mortgage is reporting on credit however unable to determine if payment includes escrows, per 1003 it does not appear to include. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/16/2025<br>| Resolved-Received required REO documentation for XXXX - Due Diligence Vendor-09/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+32k)<br>Months Reserves exceed minimum required - 49 mths reserves; 6 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5377262 |
| XXXX | 731227 | XXXX D B A | Closed | FCRE1197 | 2025-09-02 09:20 | 2025-09-04 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for 658 Fico < 660 required, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Audited FICO of 658 is less than Guideline FICO of 660 Missing exception form, comments on 1008 do not suffice. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Waived-Originator provided a waiver for 658 Fico < 660 required, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+32k)<br>Months Reserves exceed minimum required - 49 mths reserves; 6 mths required. | LTV is 5% below guideline maximum<br> Long term residence-5 years verified<br> Long term employment-5 years verified. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5376990 |
| XXXX | 733020 | XXXX D A | Closed | FPRO1253 | 2025-09-03 10:19 | 2025-09-08 09:54 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025<br>| LTV is less than guideline maximum - 70% LTV; 75% max allowed<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers reserves 16.06 mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5392476 |
| XXXX | 733062 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 733698 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 734230 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 734254 | XXXX C A | Closed | FCRE7009 | 2025-08-30 15:25 | 2025-09-08 09:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received policy reflecting sufficient coverage. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Coverage amounts for the insured property is sufficient. Please see attached hazard insurance and XXXX RCE document. Please clear this finding. - Seller-09/04/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage Amount is not listed on the policy. - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. Coverage amounts for the insured property is sufficient. Please see attached hazard insurance and XXXX RCE document. Please clear this finding. - Seller-09/04/2025 | Resolved-Received policy reflecting sufficient coverage. - Due Diligence Vendor-09/08/2025<br>| LTV is less than guideline maximum - LTV 62.50% LTV. Allowed 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 689; guidelines require 640. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5370939 |
| XXXX | 734254 | XXXX C A | Closed | FCRE1510 | 2025-08-24 14:03 | 2025-09-08 09:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/08/2025<br>| LTV is less than guideline maximum - LTV 62.50% LTV. Allowed 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 689; guidelines require 640. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294706 |
| XXXX | 734258 | XXXX D B C A | Closed | FPRO1242 | 2025-08-31 12:28 | 2025-09-05 17:00 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received updated matrix confirming Rural is acceptable. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The XXXX matrix does not have restrictions for DSCR on rural properties. Please see attached Matrix. - Seller-09/03/2025 <br> Counter-Received appraisal-subject property is noted as Rural and not applicable for Non Owner Occupied/DSCR per matrix. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br> Open-Appraisal is Missing. - Due Diligence Vendor-08/31/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The XXXX matrix does not have restrictions for DSCR on rural properties. Please see attached Matrix. - Seller-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 | Resolved-Received updated matrix confirming Rural is acceptable. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5372121 |
| XXXX | 734258 | XXXX D B C A | Closed | FCRE1510 | 2025-08-24 13:45 | 2025-09-05 16:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 486-501 and attached herein. - Seller-09/03/2025 <br>Counter-Received legal only-please provide complete security instrument with legal attached. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing legal description. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 486-501 and attached herein. - Seller-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294669 |
| XXXX | 734258 | XXXX D B C A | Closed | FCRE1492 | 2025-08-31 12:39 | 2025-09-03 15:13 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received 1007-market rents are higher and within 20%-DSCR >1.00 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements DSCR must be 1.00 to meet cash out guideline requirement, calculated DSCR is 0.993 - Due Diligence Vendor-09/02/2025 | Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 | Resolved-Received 1007-market rents are higher and within 20%-DSCR >1.00 - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5372154 |
| XXXX | 734258 | XXXX D B C A | Closed | FCRE1197 | 2025-09-02 08:26 | 2025-09-03 15:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for 638 FICO, Cash Out DSCR, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-Audited FICO of 638 is less than Guideline FICO of 640 Borrower does not meet minimum DSCR cash out FICO requirement - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Waived-Originator provided a waiver for 638 FICO, Cash Out DSCR, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. | Primary residence >5 years<br> Reserves: >3 months above minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5376338 |
| XXXX | 734258 | XXXX D B C A | Closed | FPRO1253 | 2025-09-02 08:08 | 2025-09-03 15:07 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-Missing secondary valuation appraisal review product as required by guidelines - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5376159 |
| XXXX | 734258 | XXXX D B C A | Closed | FCRE1232 | 2025-08-31 12:59 | 2025-09-03 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received 1007-markets rents are higher and within 20%. DSCR is over 1.00 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 <br> Open-The Calculated DSCR of '0.993' is less than the minimum DSCR per lender guidelines of '1'. DSCR must be 1.00 to meet cash out guideline requirement, calculated DSCR is 0.993 - Due Diligence Vendor-09/02/2025 | Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, XXXX; On Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease provided the difference is not greater than 20%. The 1007 is $1795 and the lease is $1750, therefore the 1007 can be used, resulting in the DSCR of 1.019. - Seller-09/02/2025 | Resolved-Received 1007-markets rents are higher and within 20%. DSCR is over 1.00 - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - LTV 56.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 95.53 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5372195 |
| XXXX | 735627 | XXXX D A | Closed | FPRO1242 | 2025-09-01 12:03 | 2025-09-04 15:31 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-09/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-09/04/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 29 Months&nbsp;&nbsp;&nbsp;&nbsp; Required = 12 months<br>Qualifying DTI below maximum allowed - DTI = 24.70% - Max DTI = 49.99% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5373455 |
| XXXX | 735727 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 738081 | XXXX B A | Closed | FCOM1124 | 2025-09-02 18:44 | 2025-09-02 19:30 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/02/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - Verified assets of 26.26 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 28.14% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5387044 |
| XXXX | 738280 | XXXX C A | Closed | FCRE1491 | 2025-09-04 14:04 | 2025-09-09 15:01 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/05/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Gift letter has been provided. Missing evidence Gift funds $165,000.00 were received by the borrower. Assets are Short if not verified. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/05/2025<br>| Resolved-Received Wire Receipt. - Due Diligence Vendor-09/09/2025<br>| DSCR % greater than 1.20 - DSCR 1.39.<br>LTV is less than guideline maximum - LTV 50.44% LTV. Allowed 70%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5414240 |
| XXXX | 739218 | XXXX B A | Closed | FCOM5135 | 2025-08-25 10:09 | 2025-08-25 10:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/25/2025<br>| Credit history exceeds minimum required - The Borrowers have had 0x30 on the Consumer Credit history for more than 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower's FICO score is 785; guideline minimum is 720. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5299116 |
| XXXX | 739821 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 739950 | XXXX C B A | Closed | FCRE1440 | 2025-09-05 23:17 | 2025-09-05 23:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors. Borrower explanation is late payments were a result of an auto-pay issue while the borrower was out of the county. Credit Supplement reflects that, other than a 1x30 in XXXX, the borrower has a 0x30x42 months mortgage history. Compensating factors include LTV (-5%), FICO (+117 points), Reserves (+112 months) and 1.519 % DSCR. - Due Diligence Vendor-09/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender Exception in file to allow financing with a 1X60 mortgage late. - Due Diligence Vendor-09/06/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Borrower explanation is late payments were a result of an auto-pay issue while the borrower was out of the county. Credit Supplement reflects that, other than a 1x30 in 2/2024, the borrower has a 0x30x42 months mortgage history. Compensating factors include LTV (-5%), FICO (+117 points), Reserves (+112 months) and 1.519 % DSCR. - Due Diligence Vendor-09/06/2025<br>| LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 33.49%.<br>DSCR % greater than 1.20 - DSCR % is 1.519 | 1. LTV is 5% less than guideline maximum.<br> 2. Qualifying FICO is at least 20 points above minimum for program.<br> 3. DSCR ratio > 1.20. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5437673 |
| XXXX | 744035 | XXXX D B C A | Closed | FPRO1253 | 2025-09-09 10:17 | 2025-09-12 15:30 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 1.5 - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please waive as SSRs were part of submission package - Seller-09/10/2025 <br>Open-Additional secondary valuation not provided per lending guides. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please waive as SSRs were part of submission package - Seller-09/10/2025<br>| Resolved-Received SSR with a CU score of 1.5 - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.38 months exceeds the minimum required of 0 months<br>Long term residence - Long Term Residence = 28+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5464238 |
| XXXX | 744035 | XXXX D B C A | Closed | FCRE1148 | 2025-09-08 21:12 | 2025-09-12 15:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please waive this condition as the title supplement reflects correct coverage - Seller-09/10/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than loan amount, - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please waive this condition as the title supplement reflects correct coverage - Seller-09/10/2025<br>| Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.38 months exceeds the minimum required of 0 months<br>Long term residence - Long Term Residence = 28+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5459571 |
| XXXX | 744035 | XXXX D B C A | Closed | FPRO1242 | 2025-09-08 21:14 | 2025-09-12 15:28 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please clear as the appraisal was part of the submission package - Seller-09/10/2025 <br>Open-Appraisal is Missing Missing appraisal report for subject property - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please clear as the appraisal was part of the submission package - Seller-09/10/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.38 months exceeds the minimum required of 0 months<br>Long term residence - Long Term Residence = 28+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5459600 |
| XXXX | 744035 | XXXX D B C A | Closed | FCRE1194 | 2025-09-08 21:35 | 2025-09-09 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 65% LTV for cash out, Non-material waiver applied with comp factors. non-material due to 0x30 mortgage history. - Due Diligence Vendor-09/09/2025 <br>Open-Audited LTV of 65% exceeds Guideline LTV of 60% Exception in file to proceed at 65% LTV after 5% LTV reduction for no ratio cash out - Due Diligence Vendor-09/09/2025 |  | Waived-Originator exception granted to allow 65% LTV for cash out, Non-material waiver applied with comp factors. non-material due to 0x30 mortgage history. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.38 months exceeds the minimum required of 0 months<br>Long term residence - Long Term Residence = 28+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5460005 |
| XXXX | 744204 | XXXX C A | Closed | FCRE1198 | 2025-09-09 12:22 | 2025-09-11 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Foreign Nationals - Price loan as 700 FICO - Max CLTV = 70% (Purchase) - NO Reserves Required - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Borrower is a Foreign National thus they do not have a US Credit report and we use 700 score for Foreign Nationals. Per guide, reserves for FICO < 640 require 12 mos reserves. This does not apply to this loan. Please clear this finding. - Seller-09/10/2025 <br>Open-Audited Reserves of 10.68 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-09/09/2025 | Ready for Review-Borrower is a Foreign National thus they do not have a US Credit report and we use 700 score for Foreign Nationals. Per guide, reserves for FICO < 640 require 12 mos reserves. This does not apply to this loan. Please clear this finding. - Seller-09/10/2025<br>| Resolved-Foreign Nationals - Price loan as 700 FICO - Max CLTV = 70% (Purchase) - NO Reserves Required - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 0 Months<br>Long term residence - At current home 10 years per 1003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5468152 |
| XXXX | 744262 | XXXX C A | Closed | FPRO1257 | 2025-09-09 09:21 | 2025-09-18 17:41 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received original Appraisal used for qualification, XXXX and an SSR with a LCA score of 2 - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. he appraised value used for qualification is XXXX as per appraisal and final 1008, \*not\* XXXX. Please waive this finding - Seller-09/16/2025 <br> Counter-LCA provided states the Appraised Value is XXXX. The appraised value used for qualification is XXXX. Please provide a review product for the appraisal that was used for qualification. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-The SSR uploaded already reflects value of XXXX as per appraisal. Please waive this finding or escalate to XXXX management - Seller-09/12/2025 <br> Counter-SSR received reflects a different appraisal value. Please provide secondary valuation. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. SSRs have been uploaded and were with submission package. please waive this finding - Seller-09/10/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing second valuation product for subject property. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. he appraised value used for qualification is XXXX as per appraisal and final 1008, \*not\* XXXX. Please waive this finding - Seller-09/16/2025 <br> Ready for Review-The SSR uploaded already reflects value of XXXX as per appraisal. Please waive this finding or escalate to XXXX management - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. SSRs have been uploaded and were with submission package. please waive this finding - Seller-09/10/2025 | Resolved-Received original Appraisal used for qualification, XXXX and an SSR with a LCA score of 2 - Due Diligence Vendor-09/18/2025 | LTV is less than guideline maximum - LTV of 66.35% is below the maximum of 70% allowed per guidelines<br>Months Reserves exceed minimum required - Verified assets of 35.09 months exceeds the minimum required of 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5463387 |
| XXXX | 744270 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 744280 | XXXX C A | Closed | FPRO1257 | 2025-09-09 08:02 | 2025-09-12 15:05 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR's with a CU and LCA score of 2. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. SSRs were uploaded with submission package and support appraised value. Please waive this finding. - Seller-09/10/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing second valuation product for subject property. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. SSRs were uploaded with submission package and support appraised value. Please waive this finding. - Seller-09/10/2025<br>| Resolved-Received SSR's with a CU and LCA score of 2. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Verified assets of 33.85 months exceeds the minimum required of 0 months<br>Long term residence - Long Term Residence = 28+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5462483 |
| XXXX | 745427 | XXXX D A | Closed | FCRE1316 | 2025-09-10 08:59 | 2025-09-16 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. VVOE printout with date uploaded - Seller-09/12/2025 <br>Counter-Received SOS but no date provided-please provide VVOE form or date stamp on printout. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. VVOE uploaded - Seller-09/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE As per guide: "Third Party verification that the business in in existence and in good standing is required" - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. VVOE printout with date uploaded - Seller-09/12/2025 <br>Ready for Review-Document Uploaded. VVOE uploaded - Seller-09/10/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 9.6 mths reserves; 6 mths required.<br>Qualifying DTI below maximum allowed - 4.48% DTI below max allowed of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5479922 |
| XXXX | 745931 | XXXX C A | Closed | FCRE1206 | 2025-09-10 14:27 | 2025-09-24 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Counter-Missing Seller(s) Title, Settlement agent..etc. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Not shown on Drive report - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 8.25 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5488636 |
| XXXX | 745931 | XXXX C A | Closed | FCRE1204 | 2025-09-10 14:27 | 2025-09-24 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Counter-High Alerts are not cleared. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025 <br>Open-Fraud Report Shows Uncleared Alerts No alerts cleared - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025<br>| Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 8.25 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5488637 |
| XXXX | 745931 | XXXX C A | Closed | FCRE1205 | 2025-09-10 14:27 | 2025-09-24 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Counter-Missing Seller(s) Title, Settlement agent..etc. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025 <br>Open-OFAC Check Not Completed and/or Cleared Not completed - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/11/2025<br>| Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 8.25 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5488638 |
| XXXX | 747449 | XXXX C A | Closed | FCRE1440 | 2025-09-12 08:08 | 2025-09-17 18:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Rent Free LOE uploaded. Property profile confirming proof of ownership already uploaded with initial submission. - Seller-09/15/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for borrower. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Rent Free LOE uploaded. Property profile confirming proof of ownership already uploaded with initial submission. - Seller-09/15/2025<br>| Resolved-Received Rent Free Letter - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - DTI of 39.87% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 11.22 months exceeds the minimum required of 6 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5512848 |
| XXXX | 747617 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 747797 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 747947 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 750220 | XXXX C A | Closed | FCRE0082 | 2025-09-11 14:15 | 2025-09-23 07:26 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-After further review, an installment land contract was executed more than 12 months and is considered limited cash-out refinance. - Due Diligence Vendor-09/23/2025 <br> Counter-Received land contract-transaction does not meet 5.2 of guidelines - at least one borrower on the new loan must be an owner (on title) of the subject property at the time of the initial application. Exception would be required. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-The vesting at closing was correct. The borrower hand a recorded land contract agreement with the owner. He does not get to hold title, but per fnma "when the installment land contract was executed more than 12 months before the date of the loan application, XXXX will consider the loan to be a limited cash-out refinance in accordance with B2-1.3-02, Limited Cash-Out Refinance Transactions. In this case, the LTV ratio for the mortgage loan must be determined by dividing the new loan amount by the appraised value of the property at the time the new mortgage loan is closed.". Please waive this finding or escalate to Clarifi mgmt - Seller-09/18/2025 <br> Counter-Please provide a revised commitment reflecting borrowers as the current vested owner. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached Memorandum of Sale dated 5-XX-24, Terms of privately held loan for subject property XXXX between our borrowers and owner on title - XXXX. Also please check attached Property profile showing borrower on title. - Seller-09/12/2025 <br> Open-Vested Owner Signature Requirement Not met. Borrower and non-borrowing spouse are not currently vested on title to the subject property - Due Diligence Vendor-09/11/2025 | Ready for Review-The vesting at closing was correct. The borrower hand a recorded land contract agreement with the owner. He does not get to hold title, but per fnma "when the installment land contract was executed more than 12 months before the date of the loan application, XXXX will consider the loan to be a limited cash-out refinance in accordance with B2-1.3-02, Limited Cash-Out Refinance Transactions. In this case, the LTV ratio for the mortgage loan must be determined by dividing the new loan amount by the appraised value of the property at the time the new mortgage loan is closed.". Please waive this finding or escalate to Clarifi mgmt - Seller-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Memorandum of Sale dated XXXX Terms of privately held loan for subject property XXXX between our borrowers and owner on title - XXXX. Also please check attached Property profile showing borrower on title. - Seller-09/12/2025 | Resolved-After further review, an installment land contract was executed more than 12 months and is considered limited cash-out refinance. - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 764 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 5.35 months exceeds the minimum required of 2 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5504993 |
| XXXX | 750220 | XXXX C A | Closed | FCRE1115 | 2025-09-10 10:53 | 2025-09-16 16:55 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Upon further review, mortgage can be signed early - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. Page 66 and 67 of 127 shows borrowers signed the same day as the Notary. This is acceptable since the borrower signed the same day as the notary before the closing date of XXXX. Please waived this finding. - Seller-09/12/2025 <br> Open-Security Instrument Date is greater than the transaction date of XXXX - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached. Page 66 and 67 of 127 shows borrowers signed the same day as the Notary. This is acceptable since the borrower signed the same day as the notary before the closing date of XXXX. Please waived this finding. - Seller-09/12/2025 | Resolved-Upon further review, mortgage can be signed early - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 764 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 5.35 months exceeds the minimum required of 2 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5482612 |
| XXXX | 750220 | XXXX C A | Closed | FCRE1509 | 2025-09-11 14:28 | 2025-09-16 16:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Upon further review, the borrower can sign the Note early. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached. Page 66 and 67 of 127 shows borrowers signed the same day as the Notary. This is acceptable since the borrower signed the same day as the notary before the closing date of XXXX. Please waived this finding. - Seller-09/12/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note date of XXXX is greater than current date/Notary date of XXXX - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached. Page 66 and 67 of 127 shows borrowers signed the same day as the Notary. This is acceptable since the borrower signed the same day as the notary before the closing date of XXXX. Please waived this finding. - Seller-09/12/2025 | Resolved-Upon further review, the borrower can sign the Note early. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 764 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 5.35 months exceeds the minimum required of 2 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5505228 |
| XXXX | 751241 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 751536 | XXXX D A | Closed | FPRO1253 | 2025-09-12 10:10 | 2025-09-16 17:37 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR's w/ a CU score of 1.3 and LCA score of 1.5 - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 <br>Open-Missing secondary - Appraisal Review requirements - CU or LCA required with Score =<2.5 or an AVM, CDA or Field Review is Required. If both CU & LCA are provided, as long as 1 is =<2.5, no additional valuation is required. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025<br>| Resolved-Received SSR's w/ a CU score of 1.3 and LCA score of 1.5 - Due Diligence Vendor-09/16/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.032<br>Months Reserves exceed minimum required - 58.18 months PITIA reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5514663 |
| XXXX | 751746 | XXXX C B A | Closed | FCRE0138 | 2025-09-12 18:00 | 2025-09-16 16:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Waived-Originator provided a waiver cash out to borrower > $1 mil., applied to non material finding with comp factors - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Approved exception in file. - Seller-09/15/2025 <br>Open-Max cash out per lender guides is 1 million. Per CD, borrower is getting > $1mill cash back, does not meet program guidelines. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Approved exception in file. - Seller-09/15/2025<br>| Waived-Originator provided a waiver cash out to borrower > $1 mil., applied to non material finding with comp factors - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 5.17%.<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 71.4XX. | DTI: 5% FICO: 788 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5523976 |
| XXXX | 754915 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 759424 | XXXX C A | Closed | FCOM3605 | 2025-09-16 08:43 | 2025-09-24 10:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX e-signed by borrower same day. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Signed initial CD uploaded - Seller-09/23/2025 <br> Counter-Missing Initial CD issued on or around XXXX. Please provide copy. Additional finding may apply upon receipt. Finding remains. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Disagree. TRID loe uploaded - Seller-09/22/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is 09/04/2028.<br> - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Signed initial CD uploaded - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. Disagree. TRID loe uploaded - Seller-09/22/2025<br>| Resolved-Received CD 8/28/2025 e-signed by borrower same day. - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 6 mths required.<br>Qualifying DTI below maximum allowed - 24.28% DTI below max allowed of 50.49% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5549530 |
| XXXX | 761134 | XXXX C A | Closed | finding-47 | 2025-09-17 12:26 | 2025-09-24 11:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-09/22/2025 <br> Counter-Please provide a PCCD with correct disbursement date. Finding remains. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Notice of Right to Cancel was signed XXXX and loan funded XXXX. Three day right upheld. LOE uploaded. Please clear finding - Seller-09/18/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. PCCD uploaded - Seller-09/22/2025 <br> Ready for Review-Notice of Right to Cancel was signed XXXX, and loan funded XXXX. Three day right upheld. LOE uploaded. Please clear finding - Seller-09/18/2025 | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - Verified assets of 58.7 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 14.25% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5571115 |
| XXXX | 761162 | XXXX C A | Closed | FCRE1509 | 2025-09-12 14:22 | 2025-09-25 16:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-PPP has been confirmed. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Section J.5 (C) of the Note dated XXXX clearly states that there will be a XX ppp \*on or after 10/01/2027 and prior to final end date\*. ALSO, pg 1 section A shows "Prepayment Premium End Date' as XXXX. That supports the system notes which show the last 3 years of ppp at XX on or after XXXX thru XXXX, and total ppp of 5 yrs. Please clear findings<br> - Seller-09/23/2025 <br> Counter-PPP on the note is 3 years. Documentation provided is 5 years. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. PPP loe uploaded - Seller-09/19/2025 <br> Counter-Received confirmation of XXXX is the correct Note-please reconfirm the prepayment terms - reflects as a 2 yr prepay with 5/4/3. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Disagree - The NOTE dated XXXX, is the updated and correct one. The other NOTE should have been unchecked as that is not the current (updated) NOTE. I unchecked the NOTE dated XXXX. Also, the NOTE dated XXXX, the borrower only signed as XXXX and it at the least signed with their first name and last name XXXX which the NOTE dated XXXX reflects. - Seller-09/15/2025 <br> Open-There are Issues Present on the Note that must be addressed. There are 2 Notes in the file, one for XXXX and one for XXXX. The Prepayment Penalty is different for each one. - Due Diligence Vendor-09/12/2025 | Ready for Review-Section J.5 (C) of the Note dated XXXX clearly states that there will be a XX ppp \*on or after XXXX and prior to final end date\*. ALSO, pg 1 section A shows "Prepayment Premium End Date' as XXXX. That supports the system notes which show the last 3 years of ppp at XX on or after XXXX thru XXXX, and total ppp of 5 yrs. Please clear findings<br> - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. PPP loe uploaded - Seller-09/19/2025 <br> Ready for Review-Disagree - The NOTE dated XXXX, is the updated and correct one. The other NOTE should have been unchecked as that is not the current (updated) NOTE. I unchecked the NOTE dated XXXX. Also, the NOTE dated XXXX, the borrower only signed as XXXX and it at the least signed with their first name and last name XXXX which the NOTE dated XXXX reflects. - Seller-09/15/2025 | Resolved-PPP has been confirmed. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.035<br>Months Reserves exceed minimum required - 56 mths reserves; 6 mths required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5520437 |
| XXXX | 761162 | XXXX C A | Closed | FCRE1116 | 2025-09-12 14:33 | 2025-09-17 17:49 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received confirmation XXXX Note is correct. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Disagree - The NOTE dated XXXX, is the updated and correct one. The other NOTE should have been unchecked as that is not the current (updated) NOTE. I unchecked the NOTE dated XXXX. Also, the NOTE dated XXXX, the borrower only signed as XXXX and it at the least signed with their first name and last name XXXXs which the NOTE dated XXXX reflects. - Seller-09/15/2025 <br> Open-Security Instrument Date does not match the Note Date Multiple Notes on file with diff dates (XXXX) - Due Diligence Vendor-09/12/2025 | Ready for Review-Disagree - The NOTE dated XXXX, is the updated and correct one. The other NOTE should have been unchecked as that is not the current (updated) NOTE. I unchecked the NOTE dated XXXX. Also, the NOTE dated XXXX, the borrower only signed as XXXX and it at the least signed with their first name and last name XXXXs which the NOTE dated XXXX reflects. - Seller-09/15/2025 | Resolved-Received confirmation XXXX Note is correct. - Due Diligence Vendor-09/17/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.035<br>Months Reserves exceed minimum required - 56 mths reserves; 6 mths required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5520663 |
| XXXX | 762264 | XXXX C A | Closed | FCRE0044 | 2025-09-17 18:19 | 2025-09-22 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Disagree, please see page 110 shows e signed with date and all state no new accounts opened - Seller-09/18/2025 <br>Open-LOX for credit inquiries is missing. Letter of Credit inquiries in file (page 130) is incomplete, not executed and required for all loans, the credit inquiries not addressed. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Disagree, please see page 110 shows e signed with date and all state no new accounts opened - Seller-09/18/2025<br>| Resolved-Received credit inquiry letter. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borrower is credit score is 708 and the minimun require is 680. <br>Qualifying DTI below maximum allowed - Borrower maximum DTI is less than 40% and max allow is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5578363 |
| XXXX | 762960 | XXXX C B A | Closed | FCRE1481 | 2025-09-18 12:38 | 2025-09-22 16:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Missing receipt of $17000 Gift Funds. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025<br>| Resolved-Received Wire Receipt. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27.0XX<br>Long term residence - Long Term Residence-- Borrower has resided at current home for over 2+ years (3 y 4 mths) |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5588201 |
| XXXX | 762960 | XXXX C B A | Closed | FCRE1197 | 2025-09-18 12:53 | 2025-09-22 16:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for FICO score, applied to non material finding with comp factors. 11 Point variance. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025 <br>Open-Audited FICO of 669 is less than Guideline FICO of 680 Per Matrix, Rural Properties require 680 FICO Score. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025<br>| Waived-Originator provided a waiver for FICO score, applied to non material finding with comp factors. 11 Point variance. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27.0XX<br>Long term residence - Long Term Residence-- Borrower has resided at current home for over 2+ years (3 y 4 mths) | DTI is over 5 % below the max allowed<br> 24+ months of clean credit | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5588455 |
| XXXX | 764603 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 764692 | XXXX C A | Closed | FCRE1510 | 2025-09-17 13:31 | 2025-09-22 15:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ---- missing legal description of property - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - 69.03 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 647; minimum score 640. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5572634 |
| XXXX | 764880 | XXXX D B C A | Closed | FVAL2301 | 2025-09-17 17:02 | 2025-09-22 16:00 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Resolved-Received final inspection. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Both appraisal had the same finding; therefore, only one completion report was needed to resolve both findings. 1004D reuploaded. Please waive condition. - Seller-09/19/2025 <br> Open-Provide missing 1004 Completion Report for Second appraisal dated XXXX. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Both appraisal had the same finding; therefore, only one completion report was needed to resolve both findings. 1004D reuploaded. Please waive condition. - Seller-09/19/2025<br>| Resolved-Received final inspection. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 24.68m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 32.51% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5577272 |
| XXXX | 764880 | XXXX D B C A | Closed | FCRE1199 | 2025-09-17 17:00 | 2025-09-18 09:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/18/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $4000000 Lender Exception: Approved for loan amt XXXX, max ln amt $4 mill., per lender guides. - Due Diligence Vendor-09/17/2025 |  | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 24.68m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 32.51% | 1. Reserves 3+ months above min<br> 2. Residual income > $3,500 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5577219 |
| XXXX | 769308 | XXXX D B A | Closed | FCRE6019 | 2025-09-18 09:57 | 2025-09-18 09:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception in the file to allow to proceed with just a passport. Guidelines require passport and visa. - Due Diligence Vendor-09/25/2025 <br>Open-Borrower Citizenship Documentation Is Missing Exception in the file to allow to proceed with just a passport. Guidelines require passport and visa. - Due Diligence Vendor-09/18/2025 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception in the file to allow to proceed with just a passport. Guidelines require passport and visa. - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - LTV of 57.14% is below the maximum of 70% allowed per guidelines<br>Months Reserves exceed minimum required - Verified assets of 5.12 months exceeds the minimum required of 0 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.51 exceeds the minimum of 0 | 1.5 DSCR, 57% LTV. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5583701 |
| XXXX | 769311 | XXXX D A C | Closed | FCRE3978 | 2025-09-20 10:14 | 2025-10-14 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received revised final 1003 - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003 showing the borrower owned a Prior Investment property as explained on the LOE Provided. We also note that the the Credit Report would report all prior mortgage history, through XXXX when the loan was closed, so additional documentation would not be required. Please clear this finding. - Seller-10/13/2025 <br> Counter-LOE from Broker provided stating the property was an investment property, however the borrower stated on the Final 1003 loan application it was a Primary Residence. Finding remains. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached email from broker regarding the borrower's declaration that they owned REO is the last 3 years, - Seller-10/08/2025 <br> Counter-Per the credit report, borrower had a mortgage in XXXX and per Declarations Question A, borrower owned a primary within the last 3 years. Missing explanation addressing this discrepancy of living rent free for 7 years. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Please waive as the address section on the credit report shows XXXX as the most recent address . Additional clarification is not required. Thank you. - Seller-09/26/2025 <br> Open-Rent free letter states borrower has been living rent-free for the past 7 years. However, per the credit report, borrower had a mortgage in XXXX and per Declarations Question A, borrower owned a primary within the last 3 years. Missing explanation addressing this discrepancy - Due Diligence Vendor-09/20/2025 | Ready for Review-Document Uploaded. Please see corrected 1003 showing the borrower owned a Prior Investment property as explained on the LOE Provided. We also note that the the Credit Report would report all prior mortgage history, through XXXX when the loan was closed, so additional documentation would not be required. Please clear this finding. - Seller-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached email from broker regarding the borrower's declaration that they owned REO is the last 3 years, - Seller-10/08/2025 <br> Ready for Review-Please waive as the address section on the credit report shows XXXX as the most recent address . Additional clarification is not required. Thank you. - Seller-09/26/2025 | Resolved-Received revised final 1003 - Due Diligence Vendor-10/14/2025<br>| Verified employment history exceeds guidelines - 7 yrs on the job<br>Months Reserves exceed minimum required - Verified assets of 17.25 months exceeds the minimum required of 3 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5610209 |
| XXXX | 769311 | XXXX D A C | Closed | FCRE0044 | 2025-09-19 21:30 | 2025-09-23 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentations. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-The XXXXX inquiry on XXXX is related to the credit report in file dated XXXX from broker for the subject loan. We do not required inquiry LOEs for the subject loan credit report. - Seller-09/22/2025 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit Inquiries. - Due Diligence Vendor-09/20/2025 | Ready for Review-The XX inquiry on XXXX is related to the credit report in file dated XXXX from broker for the subject loan. We do not required inquiry LOEs for the subject loan credit report. - Seller-09/22/2025 | Resolved-Upon further review, the loan file contained all required credit inquiry documentations. - Due Diligence Vendor-09/23/2025<br>| Verified employment history exceeds guidelines - 7 yrs on the job<br>Months Reserves exceed minimum required - Verified assets of 17.25 months exceeds the minimum required of 3 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5609376 |
| XXXX | 769311 | XXXX D A C | Closed | FCOM3605 | 2025-09-18 17:00 | 2025-09-23 10:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX e-signed same day. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. initial cd provided XXXX, see attached along with disclosure track summary - Seller-09/22/2025 <br> Open----- Missing Initial CD - Please provide initial CD with borrowers acknowledgement.<br> Additional Findings may apply upon receipt. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. initial cd provided XXXX, see attached along with disclosure track summary - Seller-09/22/2025 | Resolved-Received CD XXXX e-signed same day. - Due Diligence Vendor-09/23/2025 | Verified employment history exceeds guidelines - 7 yrs on the job<br>Months Reserves exceed minimum required - Verified assets of 17.25 months exceeds the minimum required of 3 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5592987 |
| XXXX | 771975 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 772367 | XXXX C A | Closed | FCRE2244 | 2025-09-18 07:05 | 2025-10-06 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received Certificate of Occupancy - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. COO uploaded - Seller-10/02/2025 <br>Open-Property Issues are identified for the property Missing Final Inspection Report confirming that the Appraiser received the CO or Final sign off to be provided and reviewed.. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. COO uploaded - Seller-10/02/2025<br>| Resolved-Received Certificate of Occupancy - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - Min reserves required 12 mths- Borrowers have 41.06 months in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 26% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5581427 |
| XXXX | 772367 | XXXX C A | Closed | FCRE1294 | 2025-09-18 07:23 | 2025-09-29 16:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Upon further review, 2nd lien for XXXX is reporting on the credit report.<br> - Due Diligence Vendor-09/29/2025 <br> Ready for Review-The property profile and credit report can be cross-referenced with property XXXX, as the profile indicates the XXXX mortgage was opened on XXXX, and item 8 on the credit report shows the same opening date. Please waive accordingly. - Seller-09/26/2025 <br> Counter-Provide statement for 2nd lien or credit supp confirming attached to property XXXX. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please waive. We are already factoring in the taxes/insurance/HOA (if applicable) into the dti. Also, the full payment is already reflecting on the credit report for the 2nd lien. Please waive. - Seller-09/22/2025 <br> Open-Income 3 Months Income Verified is Missing Missing proof of Second Mortgage payment documentation for property XXXX. - Due Diligence Vendor-09/18/2025 | Ready for Review-The property profile and credit report can be cross-referenced with property XXXX, as the profile indicates the XXXX mortgage was opened on XXXX, and item 8 on the credit report shows the same opening date. Please waive accordingly. - Seller-09/26/2025 <br> Ready for Review-Please waive. We are already factoring in the taxes/insurance/HOA (if applicable) into the dti. Also, the full payment is already reflecting on the credit report for the 2nd lien. Please waive. - Seller-09/22/2025 | Resolved-Upon further review, 2nd lien for XXXX is reporting on the credit report.<br> - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - Min reserves required 12 mths- Borrowers have 41.06 months in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 26% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5581546 |
| XXXX | 772367 | XXXX C A | Closed | FCRE1510 | 2025-09-18 06:13 | 2025-09-23 16:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. DOT w legal "Exhibit A" attachment uploaded - Seller-09/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the subject property's legal description. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. DOT w legal "Exhibit A" attachment uploaded - Seller-09/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Min reserves required 12 mths- Borrowers have 41.06 months in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 26% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5581124 |
| XXXX | 772506 | XXXX C A | Closed | FCRE1506 | 2025-09-22 12:40 | 2025-09-25 15:59 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received compliance documentation. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. Signed initial CD in file - Seller-09/23/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Required Compliance Documents - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Signed initial CD in file - Seller-09/23/2025<br>| Resolved-Received compliance documentation. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 36.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 777 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5620752 |
| XXXX | 772506 | XXXX C A | Closed | FCOM3605 | 2025-09-22 06:45 | 2025-09-25 08:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD XXXX, esigned XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Signed initial CD in file - Seller-09/23/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Signed initial CD in file - Seller-09/23/2025<br>| Resolved-Received initial CD XXXX, esigned XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 | Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 36.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 777 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5614197 |
| XXXX | 772579 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 772648 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 773164 | XXXX D A | Closed | FPRO1136 | 2025-09-25 15:49 | 2025-09-30 17:17 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. please see CERTIFICATION OF COMPLETION - Seller-09/28/2025 <br>Open-\*New\* Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. please see CERTIFICATION OF COMPLETION - Seller-09/28/2025<br>| Resolved-Received 1004D - Due Diligence Vendor-09/30/2025<br>| LTV is less than guideline maximum - LTV 44.78% LTV. Allowed 65%<br>DSCR % greater than 1.20 - DSCR is 1.32. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5676708 |
| XXXX | 773164 | XXXX D A | Closed | FPRO1242 | 2025-09-22 21:07 | 2025-09-30 17:16 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025 <br> Open-Appraisal is Missing Appraisal from Top One Appraisal is Missing. Additionally, findings may apply upon receipt. Need to confirm the 16% difference. as the XXXX provided with the appraisal amount of XXXX has a CU Score of 2.6. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - LTV 44.78% LTV. Allowed 65%<br>DSCR % greater than 1.20 - DSCR is 1.32. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5628657 |
| XXXX | 773164 | XXXX D A | Closed | FPRO1137 | 2025-09-25 15:49 | 2025-09-30 17:16 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Upon further review, appraisal was active. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. not valid feed back \*\*\* Please see attached license is valid and expires XXXX as stated on 1004. - Seller-09/28/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. not valid feed back \*\*\* Please see attached license is valid and expires XXXX as stated on 1004. - Seller-09/28/2025 | Resolved-Upon further review, appraisal was active. - Due Diligence Vendor-09/30/2025<br>| LTV is less than guideline maximum - LTV 44.78% LTV. Allowed 65%<br>DSCR % greater than 1.20 - DSCR is 1.32. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5676707 |
| XXXX | 773221 | XXXX C A | Closed | FCRE0044 | 2025-09-23 09:45 | 2025-10-24 15:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025 <br>Open-LOX for credit inquiries is missing. Provide a letter of explanation for inquiries within 90 days of report dated 9.04.25. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025<br>| Credit history exceeds minimum required - Timely credit with 0X30 mortgage history reporting since 2019.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.26% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5632842 |
| XXXX | 773221 | XXXX C A | Closed | finding-3532 | 2025-09-19 16:13 | 2025-09-25 07:33 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt, XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached response, Wait period was met - Seller-09/23/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 1 years- Expiration date is XXXX - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Please see attached response, Wait period was met - Seller-09/23/2025<br>| Resolved-Received evidence of receipt, XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 | Credit history exceeds minimum required - Timely credit with 0X30 mortgage history reporting since 2019.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.26% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5607273 |
| XXXX | 774790 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 774930 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 775665 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 776455 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 777184 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 777671 | XXXX C A | Closed | FCRE1506 | 2025-09-25 11:12 | 2025-10-02 13:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Final CD Received and Compliance run. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. CD loaded. if need something else for this one, please specify. - Seller-09/30/2025 <br> Counter-Pending compliance documents. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached. Initial CD shows actual received date of XXXX. Please waived this finding. - Seller-09/26/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending compliance documents. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. CD loaded. if need something else for this one, please specify. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached. Initial CD shows actual received date of XXXX. Please waived this finding. - Seller-09/26/2025 | Resolved-Final CD Received and Compliance run. - Due Diligence Vendor-10/02/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+27k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 742 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5670945 |
| XXXX | 777671 | XXXX C A | Closed | FCOM3605 | 2025-09-24 13:46 | 2025-10-02 07:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received executed CD XXXX, finding resolved. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. copy of cd (which is signed) is attached. - Seller-09/30/2025 <br> Counter-Received evidence of receipt of CD XXXX, provide CD. Additional findings may apply upon receipt - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. Initial CD shows actual received date of XXXX. Please waived this finding. - Seller-09/26/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. copy of cd (which is signed) is attached. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. Initial CD shows actual received date of XXXX. Please waived this finding. - Seller-09/26/2025 | Resolved-Received executed CD XXXX, finding resolved. - Due Diligence Vendor-10/02/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+27k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 742 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5658559 |
| XXXX | 778073 | XXXX C B A | Closed | FCRE1278 | 2025-09-25 16:14 | 2025-09-25 16:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow waiver of escrow, Non-material waiver applied with comp factors. non-material due to good credit. - Due Diligence Vendor-09/25/2025 <br>Open-Lender Exception: Approved to waive escrows, current guides require. - Due Diligence Vendor-09/25/2025 |  | Waived-Originator exception granted to allow waiver of escrow, Non-material waiver applied with comp factors. non-material due to good credit. - Due Diligence Vendor-09/25/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 mortgage history for 24+ months.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 758 | 1. FICO 20+ points above minimum<br> 2. Mtg history 0X30 24months. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5677133 |
| XXXX | 778076 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 778795 | XXXX C A | Closed | FCRE2244 | 2025-09-23 16:22 | 2025-09-30 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Appraiser confirmed there is no private road agreement to provide. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. please see attached thank you - Seller-09/26/2025 <br>Open-Property Issues are identified for the property Provide a copy of the road maintenance agreement. The appraisal reflects that the subject property is on a private road. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. please see attached thank you - Seller-09/26/2025<br>| Resolved-Appraiser confirmed there is no private road agreement to provide. - Due Diligence Vendor-09/30/2025<br>| DSCR % greater than 1.20 - DSCR 1.393. Guideline minimum 1.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740. Guideline min 700.<br>Months Reserves exceed minimum required - 60.87 months reserves. Guideline requires 6 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5644012 |
| XXXX | 778795 | XXXX C A | Closed | FCRE1440 | 2025-09-23 16:52 | 2025-09-30 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the housing verification is required on the primary and subject only. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-<br> • XX only requires mortgage history on Primary and Subject. Property in question is neither. – it's an investment property<br>- Seller-09/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a credit supplement for XXXX to verify that the XXXX payments were made on time. - Due Diligence Vendor-09/23/2025 | Ready for Review-<br> • XX only requires mortgage history on Primary and Subject. Property in question is neither. – it's an investment property<br>- Seller-09/30/2025 | Resolved-After further review, the housing verification is required on the primary and subject only. - Due Diligence Vendor-09/30/2025<br>| DSCR % greater than 1.20 - DSCR 1.393. Guideline minimum 1.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740. Guideline min 700.<br>Months Reserves exceed minimum required - 60.87 months reserves. Guideline requires 6 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5644567 |
| XXXX | 779253 | XXXX C A | Closed | FCRE1254 | 2025-09-26 12:18 | 2025-10-27 10:30 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Grant deed provided. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Please see attached. - Seller-10/24/2025 <br>Open-Property Title Issue Provide Quit Claim Deed from non-borrowing joint title holder to B1 as a single man. - Due Diligence Vendor-09/26/2025 | Ready for Review-Please see attached. - Seller-10/24/2025<br>| Resolved-Grant deed provided. - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 31.8XX<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5687489 |
| XXXX | 780494 | XXXX C A | Closed | finding-3542 | 2025-09-26 06:27 | 2025-09-29 12:05 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. The decrease of the APR was due to the decrease of the fees included in the finance charge calculation and not due to inaccuracy of the initial CD. <br> - Due Diligence Vendor-09/29/2025 <br> Ready for Review-We note that the APR was accurate at the time the initial Closing Disclosure was sent out. Since the APR Decreased, and resulted in a betterment for the borrower, it is our position that a new waiting period was not required. A new waiting period would be required if the change resulted in a Negative impact to the borrower. - Seller-09/29/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 7.799% on CD XXXX changed to 7.637% on final CD XXXX without a new three day waiting period. (Decrease shown first on CD XXXX with APR of 7.641%, issued less than 3 days prior to closing date of XXXX) - Due Diligence Vendor-09/26/2025 | Ready for Review-We note that the APR was accurate at the time the initial Closing Disclosure was sent out. Since the APR Decreased, and resulted in a betterment for the borrower, it is our position that a new waiting period was not required. A new waiting period would be required if the change resulted in a Negative impact to the borrower. - Seller-09/29/2025<br>| Resolved-Upon further review, no further documentation is needed or required. The decrease of the APR was due to the decrease of the fees included in the finance charge calculation and not due to inaccuracy of the initial CD. <br> - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - Verified assets of 17 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 40% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5681629 |
| XXXX | 780535 | XXXX D B A | Closed | FCRE1198 | 2025-10-15 13:55 | 2025-10-27 10:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow loan to be approved with 9 months in reserves. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to be approved with 9 months in reserves - Seller-10/23/2025 <br>Open-\*\*\*NEW\*\*\* Audited Reserves of 9.79 month(s) are less than Guideline Required Reserves of 12 month(s). Total assets received are $123,084.44 - $64,862.49 funds to close = $58,221.95 - $71,370.24 reserves = ($13,148.29) short reserves. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to be approved with 9 months in reserves - Seller-10/23/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow loan to be approved with 9 months in reserves. - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - Max DTI 4XX- - Borrowers DTI 7%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines--- Borrowers Tax Preparer verified over 5+ yrs self employment | Residual Income =/> 1.5 times $3,500 monthly residual income<br> 5+ years Verified employment history exceeds guidelines<br> 24+ month credit history exceeds minimum required | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5905778 |
| XXXX | 780535 | XXXX D B A | Closed | FCRE1482 | 2025-09-29 08:50 | 2025-10-15 13:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Gift funds no longer being used, nothing further is needed or required - Due Diligence Vendor-10/15/2025 <br> Ready for Review-please escalated for review, Gift was not used, not needed to qualify... As stated previously \*\*\* gift funds ended up not being used to close and therefore not required to be verified further. The Gift letter states that the funds are to be sent to applicant or closing agent, and the fact that the $64,862.49 amount of required closing funds were delivered to the closing from the borrower's verified acct is sufficient to close and completes the settlement of same. Please clear - Seller-10/13/2025 <br> Counter-Wire receipt in file for $64,862.49 is from the borrower. Per the Gift Letter $85k gift are from parents and was to wired at close. Validated receipt of $85k gift. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Disagree, Lender notes that the gift letter provided does reflect funds being transferred at time of "Close of escrow" and not actual date with no repayment required. See page 37 of the initial uploaded docs, The funds to close in question are from the borrower's verified XXXX, transaction history shows $66,000 balance on XXXX, before $64,862.49 closing funds were wired. Furthermore, gift funds ended up not being used to close and therefore not required to be verified further. The Gift letter states that the funds are to be sent to applicant or closing agent, and the fact that the $64,862.49 amount of required closing funds were delivered to the closing from the borrower's verified acct is sufficient to close and completes the settlement of same. Please clear - Seller-10/09/2025 <br> Counter-Wire receipt in file for $64,862.49 is from the borrower. Per the Gift Letter $85k gift are from parents and was to wired at close. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing Gift Letter for $85000 (as reflected on Final 1003) and proof of receipt of these gift funds. Upon receipt and review of this information, additional conditions maybe required. - Due Diligence Vendor-09/29/2025 | Ready for Review-please escalated for review, Gift was not used, not needed to qualify... As stated previously \*\*\* gift funds ended up not being used to close and therefore not required to be verified further. The Gift letter states that the funds are to be sent to applicant or closing agent, and the fact that the $64,862.49 amount of required closing funds were delivered to the closing from the borrower's verified acct is sufficient to close and completes the settlement of same. Please clear - Seller-10/13/2025 <br> Ready for Review-Disagree, Lender notes that the gift letter provided does reflect funds being transferred at time of "Close of escrow" and not actual date with no repayment required. See page 37 of the initial uploaded docs, The funds to close in question are from the borrower's verified XXXX, transaction history shows $66,000 balance on XXXX, before $64,862.49 closing funds were wired. Furthermore, gift funds ended up not being used to close and therefore not required to be verified further. The Gift letter states that the funds are to be sent to applicant or closing agent, and the fact that the $64,862.49 amount of required closing funds were delivered to the closing from the borrower's verified acct is sufficient to close and completes the settlement of same. Please clear - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 | Resolved-Gift funds no longer being used, nothing further is needed or required - Due Diligence Vendor-10/15/2025<br>| Qualifying DTI below maximum allowed - Max DTI 4XX- - Borrowers DTI 7%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines--- Borrowers Tax Preparer verified over 5+ yrs self employment |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5699585 |
| XXXX | 780535 | XXXX D B A | Closed | FCRE8887 | 2025-10-01 10:48 | 2025-10-06 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/02/2025 <br>Open-B2 - Final 1003 for B2 shows US Citizen but there is a Permanent Resident Card in the file. File is missing updated 1003 in the file showing B2 as Permanent Resident - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/02/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI 4XX- - Borrowers DTI 7%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines--- Borrowers Tax Preparer verified over 5+ yrs self employment |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5733837 |
| XXXX | 780535 | XXXX D B A | Closed | FCRE1510 | 2025-09-25 09:19 | 2025-10-01 17:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description in mortgage chain. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. please see attached - Seller-09/29/2025<br>| Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below maximum allowed - Max DTI 4XX- - Borrowers DTI 7%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines--- Borrowers Tax Preparer verified over 5+ yrs self employment |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5668581 |
| XXXX | 781936 | XXXX C A | Closed | FCRE1198 | 2025-09-28 22:44 | 2025-10-23 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received EMD receipt-confirming sufficient reserves and funds to close - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. We kindly disagree, the borrower received all funds used for closing via Gift Funds. We note the borrower received the following: $49,500.00 (EMD); $90K, $100K, $75,400, and $40,500 for closing and reserves. The $305,900.00 received for closing and reserves should be sufficient to cover the $230,054.15 (Closing Cost) and $75,353.10 (Reserves) totaling $305,407.25. Can this please be cleared? - Seller-10/22/2025 <br>Open-Audited Reserves of 2.09 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are not sufficient to cover minimum reserves required per guidelines. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. We kindly disagree, the borrower received all funds used for closing via Gift Funds. We note the borrower received the following: $49,500.00 (EMD); $90K, $100K, $75,400, and $40,500 for closing and reserves. The $305,900.00 received for closing and reserves should be sufficient to cover the $230,054.15 (Closing Cost) and $75,353.10 (Reserves) totaling $305,407.25. Can this please be cleared? - Seller-10/22/2025<br>| Resolved-Received EMD receipt-confirming sufficient reserves and funds to close - Due Diligence Vendor-10/23/2025<br>| Credit history exceeds minimum required - Credit History = 120 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - DTI of 38.16% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5696265 |
| XXXX | 781994 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 783944 | XXXX C B A | Closed | FCRE1194 | 2025-09-29 18:22 | 2025-09-30 10:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 80% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-09/30/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception: Approved to use P&L at 80% LTV, guides limit to 75% LTV with 667 FICO. (Note: LTV exception, solves loan amount issue as well). - Due Diligence Vendor-09/29/2025 |  | Waived-Originator exception granted to allow 80% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-09/30/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.67%.<br>On time mortgage history exceeds guideline requirement - 0x30x36 | 1. 5+ yrs same employment<br> 2. 0X30 mortgage history 24months<br> 3. DTI more than 5% below max | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5711054 |
| XXXX | 783957 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 783986 | XXXX C B A | Closed | FCRE8201 | 2025-09-30 08:38 | 2025-09-30 08:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow - an exception to not consider it a flip as they entered the contract on the 170 day mark. [ Current Guideline Description - guideline require a 2nd appraisal for a flip in 180 days ] Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/06/2025 <br>Open-Originator exception granted to allow - an exception to not consider it a flip as they entered the contract on the 170 day mark. <br> [ Current Guideline Description - guideline require a 2nd appraisal for a flip in 180 days ]<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/30/2025 |  | Waived-Originator exception granted to allow - an exception to not consider it a flip as they entered the contract on the 170 day mark. [ Current Guideline Description - guideline require a 2nd appraisal for a flip in 180 days ] Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/06/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+15k)<br>Months Reserves exceed minimum required - 156 mths reserves; 6 mths required. | DTI is over 5% below the max allowed<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5715062 |
| XXXX | 786204 | XXXX C A | Closed | FCRE1510 | 2025-09-29 15:08 | 2025-10-03 15:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal Description to the Deed of Trust/ Mortgage. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/02/2025<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 5.92 mths in reserves <br>Long term residence - Resided at current home over 3+ years |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5707955 |
| XXXX | 786219 | XXXX C A | Closed | FCRE1510 | 2025-09-30 11:34 | 2025-10-03 14:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. The requested document was delivered with the loan file. Please refer to pages 175-179 and attached herein. - Seller-10/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to deed of trust <br> - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. The requested document was delivered with the loan file. Please refer to pages 175-179 and attached herein. - Seller-10/01/2025<br>| Resolved-Received Legal - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - DTI of 21.06% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 4.31 months exceeds the minimum required of 3 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5719234 |
| XXXX | 787846 | XXXX C A | Closed | FPRO0025 | 2025-10-01 14:36 | 2025-10-08 13:37 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025 <br> Open-Smoke Detector/Carbon Monoxide detector has issues. Provide evidence of installed Carbon Monoxide Detectors, required per XX state law. - Due Diligence Vendor-10/01/2025 |  | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025<br>| DSCR % greater than 1.20 - Borrower DSCR >1.20<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 38.57m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5739615 |
| XXXX | 787846 | XXXX C A | Closed | FCRE1148 | 2025-10-01 13:49 | 2025-10-03 13:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated commitment w/sufficient coverage - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/02/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide title commitment with sufficient coverage to match loan amount. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/02/2025<br>| Resolved-Received updated commitment w/sufficient coverage - Due Diligence Vendor-10/03/2025<br>| DSCR % greater than 1.20 - Borrower DSCR >1.20<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 38.57m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5738455 |
| XXXX | 788377 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 792527 | XXXX C A | Closed | FCRE0108 | 2025-10-03 14:11 | 2025-10-14 13:21 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-After further review, Fidelity coverage is not required on projects with less than 20 units. - Due Diligence Vendor-10/14/2025 <br>Counter-Received evidence of Directors and Owners Coverage (lawsuit coverage)-Missing sufficient Fidelity/Crime coverage. Finding remains - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Please see attached document which provides the D&O Limits - Seller-10/08/2025 <br>Counter-Insurance Dec Page does indicate amount of Directors/Officers coverage - Due Diligence Vendor-10/07/2025 <br>Ready for Review-We respectfully disagree. The Master policy does have Directors and Officers coverage which is the equivalent to Fidelity/Employee Dishonesty coverage. Please refer the pages 622 & 739 of the loan file for the Master Policy. - Seller-10/06/2025 <br>Open-Fidelity Coverage not met. Missing Fidelity Coverage. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached document which provides the D&O Limits - Seller-10/08/2025 <br>Ready for Review-We respectfully disagree. The Master policy does have Directors and Officers coverage which is the equivalent to Fidelity/Employee Dishonesty coverage. Please refer the pages 622 & 739 of the loan file for the Master Policy. - Seller-10/06/2025<br>| Resolved-After further review, Fidelity coverage is not required on projects with less than 20 units. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720-- Borrower's FICO 768<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38.70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5770283 |
| XXXX | 792527 | XXXX C A | Closed | FCRE1510 | 2025-10-02 16:06 | 2025-10-07 14:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 388 and attached herein. - Seller-10/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description in the Deed of Trust. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 388 and attached herein. - Seller-10/06/2025<br>| Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720-- Borrower's FICO 768<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38.70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5758039 |
| XXXX | 792527 | XXXX C A | Closed | FCRE0179 | 2025-10-03 14:41 | 2025-10-07 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 - with UW Attestation - Warrantable Condo - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing UW Attestation confirming the warrantability of the subject property. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2025<br>| Resolved-Received 1008 - with UW Attestation - Warrantable Condo - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720-- Borrower's FICO 768<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38.70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5770745 |
| XXXX | 792558 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 793963 | XXXX D A | Closed | FCRE1506 | 2025-10-07 12:24 | 2025-10-09 16:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-We respectfully disagree. The borrower is a XXXX. Sales or amortization/depreciation expenses not customary for this line of work. Furthermore they are not a required/mandatory line item on a P&L. Please waive this finding. - Seller-10/08/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. P&L provided is not legible - Due Diligence Vendor-10/07/2025 | Ready for Review-We respectfully disagree. The borrower is a XXXX. Sales or amortization/depreciation expenses not customary for this line of work. Furthermore they are not a required/mandatory line item on a P&L. Please waive this finding. - Seller-10/08/2025 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 735<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.42% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5806266 |
| XXXX | 793963 | XXXX D A | Closed | FCRE1326 | 2025-10-07 15:34 | 2025-10-09 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received legible P&L. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Ready for Review-We respectfully disagree. The borrower is a XXXX. Sales or amortization/depreciation expenses not customary for this line of work. Furthermore they are not a required/mandatory line item on a P&L. Please waive this finding. - Seller-10/08/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing P&L in file is illegible. Unable to determine sales or amortization/depreciation expenses. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Ready for Review-We respectfully disagree. The borrower is a XXXX. Sales or amortization/depreciation expenses not customary for this line of work. Furthermore they are not a required/mandatory line item on a P&L. Please waive this finding. - Seller-10/08/2025 | Resolved-Received legible P&L. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 735<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.42% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5810603 |
| XXXX | 798043 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 800760 | XXXX C A | Closed | finding-3542 | 2025-10-09 14:23 | 2025-10-14 07:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Rec'd LOS screen print and correspondence stating presumed receipt date is XXXX as document was mailed out. Finding resolved. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. see attached regarding system evidence and coc to clear. - Seller-10/12/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The APR changed outside of tolerance on CD XXXX however, this CD is not signed and there is no disclosure tracing in file to show when borrower received it. Please provide proof of delivery for CD XXXX. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. see attached regarding system evidence and coc to clear. - Seller-10/12/2025<br>| Resolved-Rec'd LOS screen print and correspondence stating presumed receipt date is XXXX as document was mailed out. Finding resolved. - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 660<br>Months Reserves exceed minimum required - 55 mths reserves; 0 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5841595 |
| XXXX | 800770 | XXXX C A | Closed | FCRE6618 | 2025-10-14 12:58 | 2025-10-30 14:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected final 1003 - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see updated 1003 listing the borrower as self employed prior to establishing XXXX. Please note the CPA Letter confirms the borrower has been self employed as an XXXX since XXXX. - Seller-10/28/2025 <br> Counter-Received 1003-missing previous self employment -1003 to reflect 24 months employment history. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-XXXX - Seller-10/20/2025 <br> Counter-Received duplicate 1003-per CPA letter current insurance group started XXXX-missing accurate dates on current and previous self employment. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/14/2025 <br> Open-A minimum of two (2) years of employment history for self-employment, is required to be documented; however, the final 1003 only reflects .80 years of self-employment.<br> - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see updated 1003 listing the borrower as self employed prior to establishing XXXX. Please note the CPA Letter confirms the borrower has been self employed as an XXXX since XXXX. - Seller-10/28/2025 <br> Ready for Review-XXXX - Seller-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/14/2025 | Resolved-Received corrected final 1003 - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - LTV is 29.29%. Max LTV allowed is 70%.<br>Qualifying DTI below maximum allowed - DTI 33.18%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5889543 |
| XXXX | 800770 | XXXX C A | Closed | finding-3540 | 2025-10-09 12:08 | 2025-10-14 16:00 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. There were no fee increases on the revised CDs that required receipt confirmation.<br> - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Disagree, disclosures sent 9.30 have a presumed acknowledged date of XXXX. - Seller-10/14/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ---- Please provide borrowers acknowledgement for CD's issued XXXX(1) and XXXX (2). Additional Findings may apply upon receipt - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Disagree, disclosures sent XXXX have a presumed acknowledged date of XXXX. - Seller-10/14/2025 | Resolved-Upon further review, no further documentation is needed or required. There were no fee increases on the revised CDs that required receipt confirmation.<br> - Due Diligence Vendor-10/14/2025<br>| LTV is less than guideline maximum - LTV is 29.29%. Max LTV allowed is 70%.<br>Qualifying DTI below maximum allowed - DTI 33.18%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5839097 |
| XXXX | 803173 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 804341 | XXXX D A | Closed | FCRE1152 | 2025-10-13 14:38 | 2025-10-17 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender considered 1.25% of sales price for lower tax consideration-ratios are not impacted by higher amount. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Disagree, invalid finding. Lender notes the Subject Purchase "property taxes" amount used to qualify is $3,500 monthly, the calculation is based off the Purchase price multiplied by 1.25%, XXXX standard qualifying rate. Please see attached final URLA 1003 page 9 shows proposed monthly payment breakdown. - Seller-10/15/2025 <br> Open-Missing Evidence of Property Tax for $21,000 and an explanation for the variance in taxes in file. (Tax search , Appraisal and the Fraud report all reflect taxes in the amount of $23,472 yearly). - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Disagree, invalid finding. Lender notes the Subject Purchase "property taxes" amount used to qualify is $3,500 monthly, the calculation is based off the Purchase price multiplied by 1.25%, XXXX standard qualifying rate. Please see attached final URLA 1003 page 9 shows proposed monthly payment breakdown. - Seller-10/15/2025 | Resolved-Lender considered 1.25% of sales price for lower tax consideration-ratios are not impacted by higher amount. - Due Diligence Vendor-10/17/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 4 years.<br>Qualifying DTI below maximum allowed - 12.27% DTI; max 50% DTI required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 757 and minimum allowed is 640 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5876245 |
| XXXX | 804341 | XXXX D A | Closed | FCRE1510 | 2025-10-11 14:47 | 2025-10-17 12:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description. - Due Diligence Vendor-10/11/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/17/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 4 years.<br>Qualifying DTI below maximum allowed - 12.27% DTI; max 50% DTI required<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 757 and minimum allowed is 640 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5865399 |
| XXXX | 808446 | XXXX D A C | Closed | FCRE1201 | 2025-10-21 14:13 | 2025-11-03 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud score acknowledgement. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Counter-Review did not receive upload-please re upload acknowledgment of fraud score. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-letter for fraud guard over 800 score - Seller-10/28/2025 <br>Counter-Received fraud report and SAM clearance-please provide management acknowledgment as score if over 800 - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. FRAUD GUARD - Seller-10/24/2025 <br>Counter-Received SAM clearance-please provide complete Fraud Report. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. GSA/LDP - Seller-10/22/2025 <br>Open-Missing Third Party Fraud Report All high alerts to be cleared, OFAC to be checked - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Ready for Review-letter for fraud guard over 800 score - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. FRAUD GUARD - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. GSA/LDP - Seller-10/22/2025<br>| Resolved-Received fraud score acknowledgement. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 709; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.65% max 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5961792 |
| XXXX | 808446 | XXXX D A C | Closed | finding-4033 | 2025-10-20 19:27 | 2025-10-23 08:02 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-10/23/2025 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.972%. The APR threshold to qualify for a safe harbor is 7.810%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. Non QM - Due Diligence Vendor-10/20/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 709; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.65% max 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5952278 |
| XXXX | 808446 | XXXX D A C | Closed | FCRE1194 | 2025-10-21 15:46 | 2025-10-22 17:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated the matrix in the system, max LTV is 80%. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-maxtrix dated on XXXX under program 12 months 2 80% LTV allowed not 75% - Seller-10/22/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% app date is 9/XX/25 using old XXXX guides-max LTV 2nd home cash out 75% - Due Diligence Vendor-10/21/2025 | Ready for Review-maxtrix dated on XXXX under program 12 months 2 80% LTV allowed not 75% - Seller-10/22/2025 | Resolved-Updated the matrix in the system, max LTV is 80%. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 709; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.65% max 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5963537 |
| XXXX | 809573 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 809574 | XXXX C A | Closed | FCRE1232 | 2025-10-14 15:12 | 2025-10-30 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, a FTI is allowed with a DSCR below 1 with a 680 fico. The borrower's fico is 711. - Due Diligence Vendor-10/30/2025 <br> Counter-Agree FTI are allowed, but a FTI must have a DSCR > 1 in order to qualify. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please see the uploaded UW information - Seller-10/28/2025 <br> Counter-Missing documentation to support the borrower is not a first time investor in order to qualify for the XXXX. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. please se the info from the UW - Seller-10/16/2025 <br> Open-The Calculated DSCR of '0.763' is less than the minimum DSCR per lender guidelines of '1'. The minimum DSCR required on NONI is 1 - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see the uploaded UW information - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. please se the info from the UW - Seller-10/16/2025<br>| Resolved-After further review, a FTI is allowed with a DSCR below 1 with a 680 fico. The borrower's fico is 711. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Borrower has 67.87 months reserves. Guidelines require 0.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 711. Minimum FICO required is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5892051 |
| XXXX | 809574 | XXXX C A | Closed | FCRE1440 | 2025-10-14 14:56 | 2025-10-20 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support primary is free and clear. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see the uploaded docs - Seller-10/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide documentation to verify that the borrower owns her primary residence located at XXXX free and clear. additional findings may apply. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see the uploaded docs - Seller-10/16/2025<br>| Resolved-Received documentation to support primary is free and clear. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - Borrower has 67.87 months reserves. Guidelines require 0.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 711. Minimum FICO required is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5891739 |
| XXXX | 815449 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 817432 | XXXX C A | Closed | finding-3625 | 2025-10-22 14:39 | 2025-10-29 11:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved------Received PCCD dated XXXX moving Redraw fee from section B and putting it in section A. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. FEE MOVED TO A - Seller-10/28/2025 <br> Counter-----Please provide PCCD with the Fees paid to lender in Section A and not in Section B. Additional findings may apply upon receipt and testing. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. See attached document - Seller-10/27/2025 <br> Counter-----This was not addressed in the information provided. Please provide a PCCD that shows the redraw fee paid to Lender in section A. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Docs were redrawn on XXXX and signed on XXXX- the COC was done within 3 days. - Seller-10/24/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Document Redraw Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. FEE MOVED TO A - Seller-10/28/2025 <br> Ready for Review-Document Uploaded. See attached document - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. Docs were redrawn on XXXX and signed on XXXX- the COC was done within 3 days. - Seller-10/24/2025 | Resolved------Received PCCD dated XXXX moving Redraw fee from section B and putting it in section A. Finding Resolved. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - Verified assets of 118.09 months exceeds the minimum required of 9 months<br>Qualifying DTI below maximum allowed - DTI of 32.57% is below the maximum allowed per guidelines of 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5976207 |
| XXXX | 817432 | XXXX C A | Closed | finding-3634 | 2025-10-22 13:33 | 2025-10-28 12:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. Tracking documents in file show original closing package was ordered on XXXX, a redraw was done on XXXX which is the final date of closing. - Due Diligence Vendor-10/28/2025 <br> Ready for Review------Please provide a copy of the CD with the crease in Re-draw fees and the COC that corresponds with it. According to Print out provided, original documents where generated 10/03/2003. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. See attached document - Seller-10/27/2025 <br> Counter------Please provide a COC that is dated 3 days prior to closing. It is not in the file. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Docs were redrawn on XXXX and signed on XXXX the COC was done within 3 days. - Seller-10/24/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $175 (Doc Redraw Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years XXXX - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. See attached document - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. Docs were redrawn on XXXX and signed on XXXX- the COC was done within 3 days. - Seller-10/24/2025 | Resolved-Received COC. Tracking documents in file show original closing package was ordered on 10/03, a redraw was done on 10/13 which is the final date of closing. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - Verified assets of 118.09 months exceeds the minimum required of 9 months<br>Qualifying DTI below maximum allowed - DTI of 32.57% is below the maximum allowed per guidelines of 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5974923 |
| XXXX | 830531 | XXXX C A | Closed | FCRE7748 | 2025-10-29 13:13 | 2025-10-31 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received secondary valuation. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. attached AVM meets all required guidelines for secondary valuation. Reupload review. <br>- Seller-10/30/2025 <br>Open-CU is 2.6; max allowable 2.5. Provide a secondary valuation product to support the value. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. attached AVM meets all required guidelines for secondary valuation. Reupload review. <br>- Seller-10/30/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 vs. min FICO 720<br>Qualifying DTI below maximum allowed - 28.07% DTI vs. max DTI 4XX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6055329 |
| XXXX | 834169 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | 835696 | XXXX C A | Closed | FCRE0008 | 2025-11-03 08:49 | 2025-11-17 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Prepay add to Note provided. Lender confirmed the prepay is 36 months. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Counter-Received PCCD with Prepayment penalty. Please provide the PPP Addendum to the Note and PPP Rider to the Mortgage. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Corrected doc with correct prepayment. Ty! - Seller-11/11/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '72.0' Diligence value '0'. Final CD is showing a 72 month prepayment penalty. No Prepayment Addendum In file. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. Corrected doc with correct prepayment. Ty! - Seller-11/11/2025<br>| Resolved-Prepay add to Note provided. Lender confirmed the prepay is 36 months. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 with required 700<br>DSCR % greater than 1.20 - DSCR > 1.20 at 1.355 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6096314 |
| XXXX | 838263 | XXXX C B A | Closed | FPRO1258 | 2025-11-06 08:49 | 2025-11-14 12:02 | Resolved | 1 - Information C A | Property | Property | Property Issues are Present | Resolved-Received Final Termite repair report. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. uploaded initial and Final repair report for termite - Seller-11/13/2025 <br> Counter-Termite inspection report is required to ensure subject is not effected. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-appraisal is "as is" no termite inspection is required.- this is a condo therefore individual inspection would not be done. And we are not required to provide the inspection. - Seller-11/07/2025 <br> Counter-PDF page 424 email chain references a termite report which requires repairs - Due Diligence Vendor-11/07/2025 <br> Ready for Review-where was the termite inspection found as I dont see any termite report in the file- - Seller-11/06/2025 <br> Open-Provide a copy of the termite inspection from XX and documentation to evidence that the repairs that need to be done per the termite inspection has been completed. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. uploaded initial and Final repair report for termite - Seller-11/13/2025 <br>Ready for Review-appraisal is "as is" no termite inspection is required.- this is a condo therefore individual inspection would not be done. And we are not required to provide the inspection. - Seller-11/07/2025 <br>Ready for Review-where was the termite inspection found as I dont see any termite report in the file- - Seller-11/06/2025<br>| Resolved-Received Final Termite repair report. - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 730. Min FICO required is 680.<br>Qualifying DTI below maximum allowed - DTI is 30.3XX. Max DTI allowed is 4XX. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6151834 |
| XXXX | 838263 | XXXX C B A | Closed | FCRE9488 | 2025-11-06 06:49 | 2025-11-10 13:04 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Upon further review, guidelines do not require an LOE. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-our guidelines do not require a reason for why borrower is going to purchase a new primary – this is not an fha loan. <br>- Seller-11/07/2025 <br> Open-The borrower's departing residence is owned by the borrower's spouse (she is not on deed/title of subject). The departing residence is a single family residence that has XXXX The subject property is a condo that has XXXX. The subject property is less than 1 mile away from the departing residence. No documentation or explanation in file for the move to a new primary residence. - Due Diligence Vendor-11/06/2025 | Ready for Review-our guidelines do not require a reason for why borrower is going to purchase a new primary – this is not an fha loan. <br>- Seller-11/07/2025<br>| Resolved-Upon further review, guidelines do not require an LOE. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 730. Min FICO required is 680.<br>Qualifying DTI below maximum allowed - DTI is 30.3XX. Max DTI allowed is 4XX. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6150528 |
| XXXX | 838263 | XXXX C B A | Closed | FCRE1195 | 2025-11-06 08:57 | 2025-11-07 10:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-what is needed in here as stated the file contains an exception approval to 85%? - Seller-11/06/2025 <br>Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% File contains an exception approval to 85% LTV - Due Diligence Vendor-11/06/2025 | Ready for Review-what is needed in here as stated the file contains an exception approval to 85%? - Seller-11/06/2025<br>| Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 730. Min FICO required is 680.<br>Qualifying DTI below maximum allowed - DTI is 30.3XX. Max DTI allowed is 4XX. | ratios < 4XX<br> post closing reserves > 12 months<br> FICO > 10 points above requirement | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6151994 |
| XXXX | 838266 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838268 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 840191 | XXXX D A | Closed | FCRE7497 | 2025-11-07 09:24 | 2025-11-12 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received re taxes for primary - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see primary tax. - Seller-11/11/2025 <br>Counter-Received HOI. Missing confirmation of Taxes. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. See uploaded primary's HOI & Taxes. - Seller-11/07/2025 <br>Open-Missing verification of hazard insurance and taxes on primary residence. Obtained tax amount from REO section of Fraud report for DTI purposes. Additional findings may apply. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see primary tax. - Seller-11/11/2025 <br>Ready for Review-Document Uploaded. See uploaded primary's HOI & Taxes. - Seller-11/07/2025<br>| Resolved-Received re taxes for primary - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - DTI IS 43.31%, MAXIMUM IS 50%<br>Months Reserves exceed minimum required - MINIMUM RESERVES IS 6 MONTHS, BORROWER HAS > 11 MONTHS. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6169530 |
| XXXX | 840193 | XXXX C A | Closed | FCRE1506 | 2025-11-06 11:25 | 2026-02-04 12:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received payoff for XXXX loan-no VOM required. Payments tied to re taxes on departing residence. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Uploaded PACE payoff demand from XXXX ...no VOM required. Please review and advise.. - Seller-11/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide a VOM reflecting the 12 months mortgage rating for XXXX (second mortgage reflected on HUD) on departing residence. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 | Ready for Review-Uploaded PACE payoff demand from XXXX ...no VOM required. Please review and advise.. - Seller-11/12/2025 | Resolved-Received payoff for XXXX Bank-PACE loan-no VOM required. Payments tied to re taxes on departing residence. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 654. Min FICO required is 620.<br>Months Reserves exceed minimum required - Borrower has 44 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6154678 |
| XXXX | 840193 | XXXX C A | Closed | FCRE1440 | 2025-11-06 11:01 | 2025-11-12 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payoff for XXXX Bank-PACE loan-no VOM required. PACE are tied to re taxes. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Uploaded PACE payoff demand from XXXXs ...no VOM required. Please review and advise.. - Seller-11/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a VOM reflecting the 12 months mortgage rating for XXXX (second mortgage reflected on HUD) on departing residence. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Uploaded PACE payoff demand from XXXXs ...no VOM required. Please review and advise.. - Seller-11/11/2025<br>| Resolved-Received payoff for XXXX Bank-PACE loan-no VOM required. PACE are tied to re taxes. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 654. Min FICO required is 620.<br>Months Reserves exceed minimum required - Borrower has 44 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6154276 |
| XXXX | 841315 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 841545 | XXXX D B A | Closed | FCRE7497 | 2025-11-07 07:54 | 2025-11-11 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received XXXX to document HOA. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. uploaded HOA Fees with updated 1008 and 1003 - Seller-11/10/2025 <br>Open-Provide a copy of the HOA statement for REO XXXX for verification of monthly HOA fee. Additional findings may apply. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. uploaded HOA Fees with updated 1008 and 1003 - Seller-11/10/2025<br>| Resolved-Received XXXX to document HOA. - Due Diligence Vendor-11/11/2025<br>| Qualifying DTI below maximum allowed - DTI is 35.4XX. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 721. Min FICO required is 680. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6168314 |
| XXXX | 841545 | XXXX D B A | Closed | FCRE1198 | 2025-11-07 09:09 | 2025-11-07 10:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-WAIVED: Originator Waiver applied to Non-Material Finding with Comp Factors. Waived due to short less than 1/2 month reserves - non material. - Due Diligence Vendor-11/07/2025 <br>Open-Audited Reserves of 11.91 month(s) are less than Guideline Required Reserves of 12 month(s) Provide additional asset documentation to verify that the borrowers have sufficient reserves. - Due Diligence Vendor-11/07/2025 |  | Waived-WAIVED: Originator Waiver applied to Non-Material Finding with Comp Factors. Waived due to short less than 1/2 month reserves - non material. - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - DTI is 35.4XX. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 721. Min FICO required is 680. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6169295 |
| XXXX | 841546 | XXXX B A | Closed | FCOM1302 | 2025-11-06 12:47 | 2025-11-06 13:11 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Borrower has 16 months reserves. Guidelines require 12 months.<br>Qualifying DTI below maximum allowed - DTI is 41.79%. Max DTI allowed is 4XX. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6157861 |
| XXXX | 847115 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 848549 | XXXX D A | Closed | FCRE0700 | 2025-11-12 10:57 | 2025-11-17 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received CD and EMD explanation. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Hi<br> The EMD is $2500 not $2510<br>Seller received $2500 EMD cashiers check&nbsp;&nbsp;&nbsp;&nbsp; it cost borrower and additional $10 for the cashiers check<br>On Final CD it does show EMD of $2500<br> attached PDF - Seller-11/14/2025 <br>Counter-Received PCCD. File indicate EMD $2510 not reflected on CD provided. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. $2500 is a wash, show on seller CD due diligence please clear thank u :) - Seller-11/13/2025 <br>Open-CD was provided, however, per the docs provided, the EMD was $2,510. Borrower received credit for $2,500. The due diligence fee was $2,500. Borrower received credit for $2,000. Per the LOE provided, the EMD and the due diligence fees are credited back to the buyer at closing. Please provide a PCCD reflecting the credits, or provide documentation to support why the full credits weren't given. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Hi<br> The EMD is $2500 not $2510<br>Seller received $2500 EMD cashiers check&nbsp;&nbsp;&nbsp;&nbsp; it cost borrower and additional $10 for the cashiers check<br>On Final CD it does show EMD of $2500<br> attached PDF - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. $2500 is a wash, show on seller CD due diligence please clear thank u :) - Seller-11/13/2025<br>| Resolved-Received CD and EMD explanation. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Guidelines require a maximum DTI of 50%. Borrower qualified with a DTI of 20.31%. Required is 50 Borrower has 20.31<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. Borrower's qua;ifying FICO score is 705. Required is 680 Borrower has 705 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6223287 |
| XXXX | 848550 | XXXX D A | Closed | FCRE1204 | 2025-11-14 11:41 | 2025-11-19 08:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. The borrower purchased the loan out of a foreclosure per the attached property report. - Due Diligence Vendor-11/19/2025 <br> Counter-Received Fraud report. Foreclosure High alert property address XXXX cleared as "not borrowers", but is listed as investment on 1003 pg 77 of PDF. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. the attached was uploaded and i am re-uploading showing cleared alerts- - Seller-11/15/2025 <br> Open-\*\*\* NEW\*\*Fraud Report Shows Uncleared Alerts \*\*\* NEW\*\*\* High Alerts reflected without proof of resolution sources. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. the attached was uploaded and i am re-uploading showing cleared alerts- - Seller-11/15/2025<br>| Resolved-Document Uploaded. The borrower purchased the loan out of a foreclosure per the attached property report. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 5.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6255263 |
| XXXX | 848550 | XXXX D A | Closed | FCRE1201 | 2025-11-12 13:07 | 2025-11-19 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Third Party Fraud Report . - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. please see attached and scroll to pages 9-11. this was uploaded with original credit file- - Seller-11/13/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. please see attached and scroll to pages 9-11. this was uploaded with original credit file- - Seller-11/13/2025<br>| Resolved-Received Third Party Fraud Report . - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 5.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6226471 |
| XXXX | 848550 | XXXX D A | Closed | FCRE0700 | 2025-11-12 13:35 | 2025-11-18 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received LOX and PCCD. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. the final CD was uploaded with the original pkg as well as the PCCD- per the original suspense documentation to support not using EMD was requested and provided- please have this condition cleared. - Seller-11/15/2025 <br>Counter-Received LOX. Missing updated CD. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. please clear condition as the attached clearly LOX clearly states borrower not using the EMD. this was uploaded with the original credit package- - Seller-11/13/2025 <br>Open-Missing the earnest money deposit of $1,000. Provide an updated CD or documentation to support not using. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. the final CD was uploaded with the original pkg as well as the PCCD- per the original suspense documentation to support not using EMD was requested and provided- please have this condition cleared. - Seller-11/15/2025 <br>Ready for Review-Document Uploaded. please clear condition as the attached clearly LOX clearly states borrower not using the EMD. this was uploaded with the original credit package- - Seller-11/13/2025<br>| Resolved-Received LOX and PCCD. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 5.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6226982 |
| XXXX | 849235 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 850731 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 852934 | XXXX C B A | Closed | FCRE1198 | 2025-11-17 13:24 | 2025-11-21 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves <12 months required, applied to non material finding with comp factors - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see uploaded exception approval for short of reserve. - Seller-11/20/2025 <br>Open-Audited Reserves of 4.32 month(s) are less than Guideline Required Reserves of 12 month(s) Provide additional asset documentation to verify sufficient reserves. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see uploaded exception approval for short of reserve. - Seller-11/20/2025<br>| Waived-Originator provided a waiver for reserves <12 months required, applied to non material finding with comp factors - Due Diligence Vendor-11/21/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $58,703.82 per month > 1.5 times $3,500 monthly residual income<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.92 | Ratios <4XX<br> Residual Income >$3k | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6276494 |
| XXXX | 852937 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 852939 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 854723 | XXXX D A | Closed | FCRE1241 | 2025-11-19 09:30 | 2025-11-26 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified contract. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. uploaded purchase contract- - Seller-11/20/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. uploaded purchase contract- - Seller-11/20/2025<br>| Resolved-Received ratified contract. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6302952 |
| XXXX | 854723 | XXXX D A | Closed | FCRE1198 | 2025-11-19 14:45 | 2025-11-24 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-XXXX print out provided with sufficient verified assets. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. please clear condition- As of XXXX balance is $179487.59 $3322.58 x12 mths = $39870.96 required reserves, fund to close $93,718.67 = total funds required $133,589 Verified funds of $179487.59 is sufficient. see attached transaction history - Seller-11/20/2025 <br> Open-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. please clear condition- As of XXXX balance is $179487.59 $3322.58 x12 mths = $39870.96 required reserves, fund to close $93,718.67 = total funds required $133,589 Verified funds of $179487.59 is sufficient. see attached transaction history - Seller-11/20/2025 | Resolved-Chase print out provided with sufficient verified assets. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6310175 |
| XXXX | 856294 | XXXX D A | Closed | FCRE2663 | 2025-11-20 16:20 | 2025-11-24 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Received application for B2. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. please see attached- - Seller-11/21/2025 <br> Open-The loan file is missing the loan application for the second borrower XXXX. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. please see attached- - Seller-11/21/2025<br>| Resolved-Received application for B2. - Due Diligence Vendor-11/24/2025<br>| Credit history exceeds minimum required - Guidelines require tradelines to be seasoned for 24 months. Borrower has a 99 month on time credit history.<br>Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 0 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6332510 |
| XXXX | 857920 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 857922 | XXXX C B A | Closed | FCRE1506 | 2025-11-21 15:44 | 2026-02-04 15:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-No document provided. Waived in alternate finding. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Exception Approval form was included in original loan file submission. Approved to use new guidelines/matrix dated 10.28.25. Please waive/clear<br> - Seller-11/25/2025 <br> Counter-Loan was submitted with XXXX matrix with requires 24 months. 12 months is only allowed with NQHEM Plus<br> - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Uploaded snip of matrix, we are allowed to do 12 month P&L. Please clear - Seller-11/24/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. A P&L only loan under the XXXX matrix required 24-month Profit & Loss statement prepared by a Certified Public Accountant (CPA), EA, CTEC or Tax Attorney. The file only contains a 12 month P&L statement. Provide additional 12 months P&L to support the income used. Additional findings may apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Exception Approval form was included in original loan file submission. Approved to use new guidelines/matrix dated XXXX. Please waive/clear<br> - Seller-11/25/2025 <br> Ready for Review-Uploaded snip of matrix, we are allowed to do 12 month P&L. Please clear - Seller-11/24/2025 | Resolved-No document provided. Waived in alternate finding. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.64 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6347322 |
| XXXX | 857922 | XXXX C B A | Closed | FCRE1437 | 2025-11-21 15:43 | 2025-11-26 12:14 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-\*\*Originator provided a waiver to use new guide requirement of 3 months reserves. Loan was locked prior to XXXX, applied to non material finding with comp factors. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Exception Approval form was included in original loan file submission. Approved to use new guidelines/matrix dated XXXX. Please waive/clear - Seller-11/25/2025 <br> Counter-Loan was submitted with XXXX matrix with requires 24 months. 12 months is only allowed with NQHEM Plus - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Uploaded snip of matrix, we are allowed to do 12 month P&L. Please clear - Seller-11/24/2025 <br> Open-Income and Employment Do Not Meet Guidelines A P&L only loan under the XXXX matrix required 24-month Profit & Loss statement prepared by a Certified Public Accountant (CPA), EA, CTEC or Tax Attorney. The file only contains a 12 month P&L statement. Provide additional 12 months P&L to support the income used. Additional findings may apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Exception Approval form was included in original loan file submission. Approved to use new guidelines/matrix dated XXXX. Please waive/clear - Seller-11/25/2025 <br> Ready for Review-Document Uploaded. Uploaded snip of matrix, we are allowed to do 12 month P&L. Please clear - Seller-11/24/2025 | Waived-\*\*Originator provided a waiver to use new guide requirement of 3 months reserves. Loan was locked prior to XXXX, applied to non material finding with comp factors. - Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.64 | Loan requires off sheet pricing due to characteristics falling outside program guidelines. <br> Ratios < 4XX <br> Residual Income > $3K | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6347309 |
| XXXX | 857923 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 857933 | XXXX D A | Closed | FCRE1326 | 2025-11-21 09:01 | 2025-12-08 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received P&L and EA verification. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. • Cpa letter verifying require information, P&L completed by the EA - Seller-12/04/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing The preparer must attest they have reviewed or prepared all of the borrower's financials, including the tax returns, for the period of the P&L and provide the borrower's ownership percentage. The P&L was prepared by a different person than who completed the letter attesting they reviewed/prepared the P&L. Additionally, there is no documentation to support that the preparer of the P&L is a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), or a Tax Attorney as required. Additional findings may apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. • Cpa letter verifying require information, P&L completed by the EA - Seller-12/04/2025<br>| Resolved-Received P&L and EA verification. - Due Diligence Vendor-12/08/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income of $7,453.95 > 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6338669 |
| XXXX | 857933 | XXXX D A | Closed | FCRE1440 | 2025-11-21 09:13 | 2025-12-08 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing payment history. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. • Proof of mortgage payments for 12 months – we have 11 months in file. XXXX. I have attached XXXX<br>- Seller-12/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements A fully completed and signed VOR reflecting the borrower's rental history for the past 12 months or the most recent 12 months' consecutive cancelled checks (front and back) along with a copy of the lease as an alternative to the VOR must be provided. The file contained the lease agreement and 6 months of cancelled checks. Please provide additional 6 months of cancelled checks or VOR. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. • Proof of mortgage payments for 12 months – we have 11 months in file. XXXX. I have attached XXXX<br>- Seller-12/04/2025 | Resolved-Received missing payment history. - Due Diligence Vendor-12/08/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income of $7,453.95 > 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6338853 |
| XXXX | 863915 | XXXX B A | Closed | FCRE0969 | 2025-11-24 13:27 | 2025-11-24 13:54 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/24/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XX Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-11/24/2025 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - >96 vs. 3 months required<br>On time mortgage history exceeds guideline requirement - 0x30x24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6368343 |
| XXXX | 865467 | XXXX C A | Closed | FCRE1254 | 2025-11-25 10:08 | 2025-12-03 13:09 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title endorsement correcting city. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. uploaded endorsement for city change - Seller-12/02/2025 <br> Open-Property Title Issue Title to verify the subject property city. The title commitment reflects XXXX, but the appraisal reflects XXXX. Additional conditions may apply. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. uploaded endorsement for city change - Seller-12/02/2025<br>| Resolved-Received Title endorsement correcting city. - Due Diligence Vendor-12/03/2025<br>| DSCR % greater than 1.20 - DSCR of 1.656 greater than 1.20 and minimum of 1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6381819 |
| XXXX | 867470 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 870590 | XXXX C A | Closed | FCRE1159 | 2025-12-01 13:41 | 2025-12-03 14:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Received HOI covering XXXX. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Uploaded Current HOI - Seller-12/01/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Uploaded Current HOI - Seller-12/01/2025<br>| Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Received HOI covering XXXX. - Due Diligence Vendor-12/03/2025 | Months Reserves exceed minimum required - No Reserves required / Borrower reserves 56.68 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 32.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6432408 |
| XXXX | 870593 | XXXX D A | Closed | FCRE0700 | 2025-11-26 18:14 | 2025-12-04 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Final HUD provided. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Uploaded FSS - Seller-12/02/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Uploaded FSS - Seller-12/02/2025<br>| Resolved-Final HUD provided. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688<br>Months Reserves exceed minimum required - 37 months reserves exceed required 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6410093 |
| XXXX | 872223 | XXXX C A | Closed | FCRE1481 | 2025-12-02 21:25 | 2025-12-04 13:10 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-After further review, the loan file contains the gift letter. - Due Diligence Vendor-12/04/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, the loan file contains the gift letter. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Max is 50%, DTI is 44.5XX Rule False<br>Months Reserves exceed minimum required - 6 months required, borrowers have 14 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 620, FICO is 657 Required is 620 Borrower has 657 | Lender to provide a copy of the gift letter for a $40,000 deposit to escrow from an individual not associated with the transaction or provide additional documentation to cover. Gift letter must meet requirements outlined in sections 1.6.4.1 thru 1.6.4.1.2. Additional conditions may apply, pending review. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6457640 |
| XXXX | 872230 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 874191 | XXXX D A | Closed | FCRE0171 | 2025-12-01 15:30 | 2025-12-04 17:26 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower2 Signed As Trustee (ONLY) | Resolved-Borrowers signed the Guaranty as individuals. - Due Diligence Vendor-12/04/2025 <br>Open-Borrower2 Signed As Individuals as Trustee Borrower 2 signed the Note as Trustee only and not as an individual. - Due Diligence Vendor-12/04/2025 |  | Resolved-Borrowers signed the Guaranty as individuals. - Due Diligence Vendor-12/04/2025<br>| Long term residence - Borrowers have been at the primary residence for 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrowers' qualifying FICO is 753. Required is 700 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6434777 |
| XXXX | 874191 | XXXX D A | Closed | FCRE0170 | 2025-12-01 15:30 | 2025-12-04 17:26 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower1 Signed As Trustee (ONLY) | Resolved-Borrowers signed the Guaranty as individuals. - Due Diligence Vendor-12/04/2025 <br>Open-Borrower1 Signed As Individuals as Trustee Borrower 1 signed the Note as Trustee only and not as an individual. - Due Diligence Vendor-12/04/2025 |  | Resolved-Borrowers signed the Guaranty as individuals. - Due Diligence Vendor-12/04/2025<br>| Long term residence - Borrowers have been at the primary residence for 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrowers' qualifying FICO is 753. Required is 700 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6434776 |
| XXXX | 874200 | XXXX C B A | Closed | FCRE1491 | 2025-12-04 16:48 | 2025-12-19 12:52 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1003 changing gift fund amount to $65,000. Gift funds deposited into borrower XXXX account on XXXX Uploaded GIft letter & Bank Statement - Seller-12/18/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide Evidence of receipt for the total Gift Deposit of 180,000 is required. Only Gift letter was receipt. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Uploaded revised 1003 changing gift fund amount to $65,000. Gift funds deposited into borrower XXXX account on XXXX. Uploaded GIft letter & Bank Statement - Seller-12/18/2025 | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.54 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6493323 |
| XXXX | 874200 | XXXX C B A | Closed | FCRE1440 | 2025-12-04 14:09 | 2025-12-12 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note and cancelled checks for XXXX. Received confirmation now ownership in XXXX and business vested for XXXX and XXXX- Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. 1 - XXXX- does not own, uploaded property profile <br> 2 - XXXX - Under business name, uploaded property profile <br> 3 - XXXX - Under business name, uploaded property profile <br> 4 - XXXX - $100k $1041.67 - all paid from XXXX uploaded processor cert re payments made to lenders spouse<br> 5 - XXXX- Uploaded Note unit XXXX under same loan<br> 6 - XXXX - $100k $1041.67 - All paid from XXXX uploaded processor cert re payments made to lenders spouse - Seller-12/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOM to validate mortgage history for the Properties located: <br> 1-XXXX Borrower closed on XXXX<br> 2-XXXX closed on XXXX<br> 3-XXXX Closed on XXXX<br> 4-XXXX-Missing Payments, amount do not match piti.<br> 5-XXXX-missing payment history, check provided are less than 12 months<br> 6-XXXX-missing payment history, check provided are less than 12 months - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. 1 - XXXX - does not own, uploaded property profile <br> 2 - XXXX - Under business name, uploaded property profile <br> 3 - XXXX Closed on XXXX - Under business name, uploaded property profile <br> 4 - XXXX - $100k $1041.67 - all paid from XXXX, uploaded processor cert re payments made to lenders spouse<br> 5 - XXXX - Uploaded Note unit XXXX under same loan<br> 6 - XXXX - XXXX- All paid from XXXX uploaded processor cert re payments made to lenders spouse - Seller-12/11/2025 | Resolved-Received Note and cancelled checks for XXXX. Received confirmation now ownership in XXXX and business vested for XXXX and XXXX - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.54 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6489957 |
| XXXX | 874200 | XXXX C B A | Closed | FCRE8201 | 2025-12-04 21:09 | 2025-12-08 12:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for vesting, applied to non material finding with comp factors - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Exception approval was already provided. Reuploaded, please clear - Seller-12/05/2025 <br>Open-Per Title the Loan is vesting in the entity name and is not permitted per guide, only DSCR allow to be vested under entity name. Need Exception - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Exception approval was already provided. Reuploaded, please clear - Seller-12/05/2025<br>| Waived-Originator provided a waiver for vesting, applied to non material finding with comp factors - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.54 | Ratios < 4XX<br> Experienced Investor<br> FICO > 10pts above requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6495467 |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 555571 | XXXX | XXXX A |
| XXXX | 567361 | XXXX | XXXX C A |
| XXXX | 578178 | XXXX | XXXX A |
| XXXX | 580010 | XXXX | XXXX A |
| XXXX | 582350 | XXXX | XXXX D A |
| XXXX | 584677 | XXXX | XXXX C A B |
| XXXX | 585326 | XXXX | XXXX A |
| XXXX | 592830 | XXXX | XXXX D A B |
| XXXX | 592850 | XXXX | XXXX A |
| XXXX | 593110 | XXXX | XXXX C A B |
| XXXX | 593155 | XXXX | XXXX A |
| XXXX | 594350 | XXXX | XXXX A |
| XXXX | 595345 | XXXX | XXXX C A |
| XXXX | 595989 | XXXX | XXXX C A B |
| XXXX | 599285 | XXXX | XXXX A |
| XXXX | 604729 | XXXX | XXXX C A B |
| XXXX | 646850 | XXXX | XXXX A |
| XXXX | 650972 | XXXX | XXXX D A |
| XXXX | 651176 | XXXX | XXXX C A D B |
| XXXX | 651221 | XXXX | XXXX C A B |
| XXXX | 652383 | XXXX | XXXX D A B |
| XXXX | 652414 | XXXX | XXXX A |
| XXXX | 654670 | XXXX | XXXX C A B |
| XXXX | 654810 | XXXX | XXXX C A B |
| XXXX | 654894 | XXXX | XXXX A |
| XXXX | 657149 | XXXX | XXXX C A B |
| XXXX | 657152 | XXXX | XXXX C A B |
| XXXX | 657170 | XXXX | XXXX C A B |
| XXXX | 657186 | XXXX | XXXX C A B |
| XXXX | 658506 | XXXX | XXXX A |
| XXXX | 658714 | XXXX | XXXX A |
| XXXX | 661679 | XXXX | XXXX A |
| XXXX | 661681 | XXXX | XXXX D A B |
| XXXX | 661755 | XXXX | XXXX C A |
| XXXX | 661790 | XXXX | XXXX A |
| XXXX | 661817 | XXXX | XXXX A |
| XXXX | 661856 | XXXX | XXXX C A |
| XXXX | 662708 | XXXX | XXXX A |
| XXXX | 663497 | XXXX | XXXX D A |
| XXXX | 664695 | XXXX | XXXX C A B |
| XXXX | 664956 | XXXX | XXXX A |
| XXXX | 665989 | XXXX | XXXX D C A B |
| XXXX | 665993 | XXXX | XXXX C A B |
| XXXX | 666010 | XXXX | XXXX D A |
| XXXX | 666922 | XXXX | XXXX C D A B |
| XXXX | 668305 | XXXX | XXXX B A |
| XXXX | 668445 | XXXX | XXXX D C A |
| XXXX | 669556 | XXXX | XXXX A |
| XXXX | 669587 | XXXX | XXXX C A B |
| XXXX | 670533 | XXXX | XXXX A |
| XXXX | 670621 | XXXX | XXXX A |
| XXXX | 670655 | XXXX | XXXX C A B |
| XXXX | 671300 | XXXX | XXXX B C A |
| XXXX | 672026 | XXXX | XXXX C A B |
| XXXX | 672102 | XXXX | XXXX C A B |
| XXXX | 672113 | XXXX | XXXX A |
| XXXX | 673985 | XXXX | XXXX A |
| XXXX | 675859 | XXXX | XXXX C A B |
| XXXX | 675899 | XXXX | XXXX C A B |
| XXXX | 676543 | XXXX | XXXX B A |
| XXXX | 676751 | XXXX | XXXX A C B |
| XXXX | 677598 | XXXX | XXXX C A |
| XXXX | 677652 | XXXX | XXXX D A |
| XXXX | 678431 | XXXX | XXXX C A D B |
| XXXX | 679229 | XXXX | XXXX C A |
| XXXX | 679267 | XXXX | XXXX A |
| XXXX | 680318 | XXXX | XXXX C A B |
| XXXX | 680332 | XXXX | XXXX A |
| XXXX | 681594 | XXXX | XXXX D A B |
| XXXX | 681979 | XXXX | XXXX D A |
| XXXX | 682778 | XXXX | XXXX C A |
| XXXX | 683418 | XXXX | XXXX B A |
| XXXX | 684061 | XXXX | XXXX A |
| XXXX | 684752 | XXXX | XXXX D C A |
| XXXX | 685388 | XXXX | XXXX C A B |
| XXXX | 685796 | XXXX | XXXX C A B |
| XXXX | 686781 | XXXX | XXXX C A |
| XXXX | 694923 | XXXX | XXXX C A |
| XXXX | 696471 | XXXX | XXXX D A B |
| XXXX | 696476 | XXXX | XXXX D A |
| XXXX | 700655 | XXXX | XXXX C A |
| XXXX | 713532 | XXXX | XXXX D A |
| XXXX | 714178 | XXXX | XXXX D A |
| XXXX | 714656 | XXXX | XXXX D A B |
| XXXX | 715167 | XXXX | XXXX C A B |
| XXXX | 715319 | XXXX | XXXX A |
| XXXX | 715516 | XXXX | XXXX D C A |
| XXXX | 720544 | XXXX | XXXX C A B |
| XXXX | 720637 | XXXX | XXXX C A |
| XXXX | 722617 | XXXX | XXXX A |
| XXXX | 723914 | XXXX | XXXX A |
| XXXX | 724069 | XXXX | XXXX A D |
| XXXX | 728678 | XXXX | XXXX C A D B |
| XXXX | 730605 | XXXX | XXXX A |
| XXXX | 731227 | XXXX | XXXX D A B |
| XXXX | 733020 | XXXX | XXXX A D |
| XXXX | 733062 | XXXX | XXXX A |
| XXXX | 733698 | XXXX | XXXX A |
| XXXX | 734230 | XXXX | XXXX A |
| XXXX | 734254 | XXXX | XXXX C A |
| XXXX | 734258 | XXXX | XXXX C A D B |
| XXXX | 735627 | XXXX | XXXX A D |
| XXXX | 735727 | XXXX | XXXX A |
| XXXX | 738081 | XXXX | XXXX A B |
| XXXX | 738280 | XXXX | XXXX C A |
| XXXX | 739218 | XXXX | XXXX A B |
| XXXX | 739821 | XXXX | XXXX A |
| XXXX | 739950 | XXXX | XXXX C A B |
| XXXX | 744035 | XXXX | XXXX C A D B |
| XXXX | 744204 | XXXX | XXXX C A |
| XXXX | 744262 | XXXX | XXXX A C |
| XXXX | 744270 | XXXX | XXXX A |
| XXXX | 744280 | XXXX | XXXX A C |
| XXXX | 745427 | XXXX | XXXX D A |
| XXXX | 745931 | XXXX | XXXX C A |
| XXXX | 747449 | XXXX | XXXX C A |
| XXXX | 747617 | XXXX | XXXX A |
| XXXX | 747797 | XXXX | XXXX A |
| XXXX | 747947 | XXXX | XXXX A |
| XXXX | 750220 | XXXX | XXXX C A |
| XXXX | 751241 | XXXX | XXXX A |
| XXXX | 751536 | XXXX | XXXX A D |
| XXXX | 751746 | XXXX | XXXX C A B |
| XXXX | 754915 | XXXX | XXXX A |
| XXXX | 759424 | XXXX | XXXX A C |
| XXXX | 761134 | XXXX | XXXX A C |
| XXXX | 761162 | XXXX | XXXX C A |
| XXXX | 762264 | XXXX | XXXX C A |
| XXXX | 762960 | XXXX | XXXX C A B |
| XXXX | 764603 | XXXX | XXXX A |
| XXXX | 764692 | XXXX | XXXX C A |
| XXXX | 764880 | XXXX | XXXX C A D B |
| XXXX | 769308 | XXXX | XXXX D A B |
| XXXX | 769311 | XXXX | XXXX D C A |
| XXXX | 771975 | XXXX | XXXX A |
| XXXX | 772367 | XXXX | XXXX C A |
| XXXX | 772506 | XXXX | XXXX C A |
| XXXX | 772579 | XXXX | XXXX A |
| XXXX | 772648 | XXXX | XXXX A |
| XXXX | 773164 | XXXX | XXXX A D |
| XXXX | 773221 | XXXX | XXXX C A |
| XXXX | 774790 | XXXX | XXXX A |
| XXXX | 774930 | XXXX | XXXX A |
| XXXX | 775665 | XXXX | XXXX A |
| XXXX | 776455 | XXXX | XXXX A |
| XXXX | 777184 | XXXX | XXXX A |
| XXXX | 777671 | XXXX | XXXX C A |
| XXXX | 778073 | XXXX | XXXX C A B |
| XXXX | 778076 | XXXX | XXXX A |
| XXXX | 778795 | XXXX | XXXX C A |
| XXXX | 779253 | XXXX | XXXX C A |
| XXXX | 780494 | XXXX | XXXX A C |
| XXXX | 780535 | XXXX | XXXX D A B |
| XXXX | 781936 | XXXX | XXXX C A |
| XXXX | 781994 | XXXX | XXXX A |
| XXXX | 783944 | XXXX | XXXX C A B |
| XXXX | 783957 | XXXX | XXXX A |
| XXXX | 783986 | XXXX | XXXX C A B |
| XXXX | 786204 | XXXX | XXXX C A |
| XXXX | 786219 | XXXX | XXXX C A |
| XXXX | 787846 | XXXX | XXXX C A |
| XXXX | 788377 | XXXX | XXXX A |
| XXXX | 792527 | XXXX | XXXX C A |
| XXXX | 792558 | XXXX | XXXX A |
| XXXX | 793963 | XXXX | XXXX D A |
| XXXX | 798043 | XXXX | XXXX A |
| XXXX | 800760 | XXXX | XXXX A C |
| XXXX | 800770 | XXXX | XXXX C A |
| XXXX | 803173 | XXXX | XXXX A |
| XXXX | 804341 | XXXX | XXXX D A |
| XXXX | 808446 | XXXX | XXXX D C A |
| XXXX | 809573 | XXXX | XXXX A |
| XXXX | 809574 | XXXX | XXXX C A |
| XXXX | 815449 | XXXX | XXXX A |
| XXXX | 817432 | XXXX | XXXX A C |
| XXXX | 830531 | XXXX | XXXX C A |
| XXXX | 834169 | XXXX | XXXX A |
| XXXX | 835696 | XXXX | XXXX C A |
| XXXX | 838263 | XXXX | XXXX C A B |
| XXXX | 838266 | XXXX | XXXX A |
| XXXX | 838268 | XXXX | XXXX A |
| XXXX | 840191 | XXXX | XXXX D A |
| XXXX | 840193 | XXXX | XXXX C A |
| XXXX | 841315 | XXXX | XXXX A |
| XXXX | 841545 | XXXX | XXXX D A B |
| XXXX | 841546 | XXXX | XXXX A B |
| XXXX | 847115 | XXXX | XXXX A |
| XXXX | 848549 | XXXX | XXXX D A |
| XXXX | 848550 | XXXX | XXXX D A |
| XXXX | 849235 | XXXX | XXXX A |
| XXXX | 850731 | XXXX | XXXX A |
| XXXX | 852934 | XXXX | XXXX C A B |
| XXXX | 852937 | XXXX | XXXX A |
| XXXX | 852939 | XXXX | XXXX A |
| XXXX | 854723 | XXXX | XXXX D A |
| XXXX | 856294 | XXXX | XXXX D A |
| XXXX | 857920 | XXXX | XXXX A |
| XXXX | 857922 | XXXX | XXXX C A B |
| XXXX | 857923 | XXXX | XXXX A |
| XXXX | 857933 | XXXX | XXXX D A |
| XXXX | 863915 | XXXX | XXXX B A |
| XXXX | 865467 | XXXX | XXXX C A |
| XXXX | 867470 | XXXX | XXXX A |
| XXXX | 870590 | XXXX | XXXX C A |
| XXXX | 870593 | XXXX | XXXX D A |
| XXXX | 872223 | XXXX | XXXX C A |
| XXXX | 872230 | XXXX | XXXX A |
| XXXX | 874191 | XXXX | XXXX D A |
| XXXX | 874200 | XXXX | XXXX C A B |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

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| **Loan ID** | **Redaction ID** | **Investor ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 555571 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 567361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0101 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0101 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 578178 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 580010 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 582350 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 584677 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 585326 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 592830 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 592850 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 593110 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0073 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0073 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 593155 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 594350 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 595345 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 595989 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 599285 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0118 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0118 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 604729 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 646850 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0299 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0299 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  | Not Eligible |  |  |
| XXXX | 650972 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 651176 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.94 | 74.94 | XXXX | XXXX | -.0536 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0536 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 651221 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.66 | 40.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 652383 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0256 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0256 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 652414 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 654670 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 81.25 | 81.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 654810 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 654894 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.16 | 44.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 657149 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657152 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657170 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657186 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 658506 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.11 | 72.11 | XXXX | XXXX | -.0394 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0394 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | 658714 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 661679 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .3752 | 78.0 | 0.22 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 661681 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 661755 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 661790 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 661817 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 661856 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 61.18 | 61.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 662708 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 663497 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 664695 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.7 | 64.7 | XXXX | XXXX | .0662 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0662 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | 664956 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 665989 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.27 | 67.27 | XXXX | XXXX | .3431 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .3431 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 665993 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 666010 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 666922 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 668305 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | 668445 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 669556 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 57.72 | 57.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 669587 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670533 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 670655 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 671300 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.82 | 56.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 672026 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 39.02 | 39.02 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 672102 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 672113 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 42.86 | 42.86 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 673985 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 675859 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.0 | 63.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 675899 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 676543 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 676751 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0478 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0478 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 677598 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.47 | 67.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 677652 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 53.49 | 53.49 | XXXX | XXXX | -.0581 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0581 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 678431 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 679229 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 61.54 | 61.54 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 679267 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 680318 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 680332 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.21 | 24.21 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 681594 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 681979 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 682778 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.19 | 28.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 683418 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.7 | 23.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 684061 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 684752 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 685388 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 84.9 | 84.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 685796 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 686781 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | 694923 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 696471 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0372 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 696476 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 53.51 | 53.51 | XXXX | XXXX | -.0257 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0257 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 700655 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 713532 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 714178 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.19 | 46.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 714656 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 715167 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 715319 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 715516 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 720544 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 720637 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 722617 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 723914 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 724069 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.78 | 29.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 728678 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 730605 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 731227 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 733020 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 733062 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 733698 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 734230 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 734254 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 734258 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.96 | 56.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 735627 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0896 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0896 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 735727 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.07 | 42.07 | XXXX | XXXX | .0076 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0076 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 738081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0286 | 1004C Manufactured Home |  |  |  |  | XXXX | XXXX | .0286 | XXXX | 1004C Manufactured Home | XXXX | XXXX | -.0034 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 738280 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.44 | 50.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 739218 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 739821 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 739950 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.49 | 33.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 744035 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 744204 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 744262 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 744270 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 744280 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 745427 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 745931 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 747449 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 747617 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 747797 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.9 | 69.9 | XXXX | XXXX | -.0174 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0174 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 747947 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 750220 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.98 | 63.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | 751241 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.67 | 64.67 | XXXX | XXXX | -.0652 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0652 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 751536 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 751746 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0643 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0643 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 754915 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 26.32 | 26.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 759424 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 761134 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | 761162 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 762264 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 762960 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0236 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0236 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 764603 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 764692 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0359 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0359 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 764880 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | XXXX | .1857 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1857 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 769308 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 769311 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 771975 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 35.34 | 35.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 772367 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.54 | 61.54 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| XXXX | 772506 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 772579 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 772648 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.71 | 74.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 773164 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.78 | 44.78 | XXXX | XXXX | .1666 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1666 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .1666 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 773221 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 774790 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.88 | 50.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 774930 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 775665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 776455 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0717 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0717 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 777184 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 777671 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0339 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0339 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 778073 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 778076 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 778795 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 779253 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 780494 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 780535 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 781936 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 781994 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.09 | 34.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 783944 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 783957 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 783986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 786204 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 786219 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 787846 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 83.0 | 83.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 788377 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 792527 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 792558 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 793963 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.35 | 50.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 798043 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 800760 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 800770 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.29 | 29.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 803173 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 804341 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0043 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0043 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 808446 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 809573 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 809574 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 815449 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 817432 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.6 | 47.6 | XXXX | XXXX | .1429 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1429 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 830531 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0504 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0504 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 834169 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 835696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838263 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0252 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0252 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838266 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.9 | 61.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | XXXX |
| XXXX | 838268 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | -.0236 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0236 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 840191 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0119 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0119 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 840193 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 841315 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.37 | 50.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 841545 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 841546 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 847115 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0504 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0504 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 848549 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0086 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0086 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 848550 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 849235 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 850731 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 852934 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 852937 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 84.94 | 84.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 852939 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 854723 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 856294 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 857920 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0345 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0345 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 857922 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | XXXX | -.0085 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0085 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 857923 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 857933 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 863915 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 865467 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 867470 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 870590 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.97 | 32.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 870593 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 872223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 872230 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 89.0 | 0.11 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 874191 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0111 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0111 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 874200 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 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 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 555571 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $865.80 | $72.15 | $6624.00 | $552.00 | $0.00 | $1623.49 |  | Yes | XXXX | XX | $552.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.115 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.6 | XXXX | 2.6 | No | 65 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 567361 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1014.12 | $84.51 | $0.00 | $0.00 | $0.00 | $5874.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.613 | 0.74 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/XX/2025 | 01/XX/2025 | 01/XX/2025 |  |  | 820 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 173.9 | XXXX | 173.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 578178 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1011.00 | $84.25 | $0.00 | $0.00 | $0.00 | $2934.67 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.227 | 1.227 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/XX/2025 | 02/XX/2025 | 02/XX/2025 |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.5 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 580010 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1572.12 | $131.01 | $0.00 | $0.00 | $0.00 | $3852.10 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.909 | 0.909 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/XX/2025 | 02/XX/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 582350 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6655.25 | 03/XX/2025 | 6.650% |  |  | No | 7.811% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1773.00 | $147.75 | $0.00 | $0.00 | $0.00 | $1680.86 | $7642.26 | N/A |  |  | $0.00 |  |  | 0.00% | 26.42% | 26.42% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 | 03/XX/2025 |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 113.9 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 584677 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $6494.16 | $541.18 | $3096.00 | $258.00 | $0.00 | $9829.84 |  | N/A | XXXX | XX | $258.00 | 06/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.865 | 0.865 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.8 | XXXX | 4.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 585326 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1326.00 | $110.50 | $0.00 | $0.00 | $0.00 | $2924.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.615 | 0.615 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5 | XXXX | 5 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 592830 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 35986 | 03/XX/2025 | 6.730% |  |  | No | 8.912% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $249.96 | $20.83 | $0.00 | $0.00 | $0.00 | $6870.21 | $11094.24 | N/A |  |  | $0.00 |  |  | 0.00% | 41.07% | 41.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/XX/2025 | 01/XX/2025 |  |  |  | 656 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 1 |  | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 106.9 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 592850 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $2877.96 | $239.83 | $0.00 | $0.00 | $0.00 | $3745.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.804 | 0.804 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 37.9 | XXXX | 37.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 593110 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 81475 | 04/XX/2025 | 6.700% |  |  | No | 8.556% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $7276.08 | $606.34 | $0.00 | $0.00 | $0.00 | $27778.33 | $34425.67 | N/A |  |  | $0.00 |  |  | 0.00% | 44.66% | 44.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/XX/2025 | 02/XX/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.7 | XXXX | 11.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 593155 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $3003.12 | $250.26 | $0.00 | $0.00 | $0.00 | $3374.22 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.771 | 0.811 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.3 | XXXX | 12.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 594350 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15555 | 03/XX/2025 | 6.650% |  |  | No | 7.627% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $2496.96 | $208.08 | $0.00 | $0.00 | $0.00 | $11433.87 | $13966.13 | N/A |  |  | $0.00 |  |  | 0.00% | 45.02% | 45.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.8 | XXXX | 9.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 595345 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1884.00 | $157.00 | $0.00 | $0.00 | $0.00 | $3827.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/XX/2025 | 02/XX/2025 |  |  |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.7 | XXXX | 1.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 595989 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $1280.04 | $106.67 | $0.00 | $0.00 | $0.00 | $2000.44 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.17 | 1.17 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 656 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 44.1 | XXXX | 44.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 599285 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1896.00 | $158.00 | $0.00 | $0.00 | $0.00 | $1259.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.091 | 1.091 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 1 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 64.9 | XXXX | 64.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 604729 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $612.96 | $51.08 | $1800.00 | $150.00 | $0.00 | $9479.57 | $857822.98 | N/A | XXXX | XX | $150.00 |  | Monthly | 0.00% | 9.07% | 9.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/XX/2025 | 02/XX/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 17.8 | No | 80 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 646850 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3075 | 05/XX/2025 | 6.800% |  |  | No | 7.459% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3709.08 | $309.09 | $0.00 | $0.00 | $0.00 | $10159.69 | $18821.20 | N/A |  |  | $0.00 |  |  | 0.00% | 48.74% | 48.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.5 | XXXX | 7.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 650972 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 37940.98 | 05/XX/2025 | 6.800% |  |  | No | 9.155% |  | 8.999% |  | XXXX | No |  | XXXX | XXXX | $3600.00 | $300.00 | $0.00 | $0.00 | $0.00 | $10044.04 | $27199.62 | N/A |  |  | $0.00 |  |  | 0.00% | 30.30% | 30.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.7 | XXXX | 9.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 651176 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $1170.96 | $97.58 | $549.96 | $45.83 | $0.00 | $2863.95 | $5951.05 | N/A | XXXX | XX | $45.83 | 08/XX/2026 | Annually | 0.00% | 47.92% | 47.92% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 180 | 29 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.8 | XXXX | 13.8 | No | 74.94 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 651221 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2247.96 | $187.33 | $75.00 | $6.25 | $0.00 | $2778.73 |  | N/A | XXXX | XX | $6.25 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 637 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 94 | No | 40.66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 652383 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $13390.08 | $1115.84 | $0.00 | $0.00 | $0.00 | $13526.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.124 | 1.17 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 41.5 | XXXX | 41.5 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 652414 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17549.18 | 06/XX/2025 | 6.920% |  |  | No | 7.657% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $764.04 | $63.67 | $1680.00 | $140.00 | $0.00 | $4032.55 | $5396.20 | N/A | XXXX | XX | $140.00 |  | Monthly | 0.00% | 46.04% | 46.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.5 | XXXX | 6.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 654670 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $917.04 | $76.42 | $0.00 | $0.00 | $0.00 | $1374.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.237 | 1.237 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  | XX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 109 | No | 81.25 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 654810 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1629.48 | $135.79 | $7824.00 | $652.00 | $0.00 | $3733.34 |  | Yes | XXXX | XX | $652.00 | 07/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.118 | 1.118 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Other | USA VISA | XX | XXXX | XXXX |  |  | Other |  | XXXX | Foreign National | Foreign National | N/A | Other |  | XX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.6 | XXXX | 3.6 | No | 75 | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 654894 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1475 | 05/XX/2025 | 6.870% |  |  | No | 6.939% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $865.32 | $72.11 | $0.00 | $0.00 | $0.00 | $5819.00 | $11775.08 | N/A |  |  | $0.00 |  |  | 0.00% | 35.14% | 35.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 20.6 | No | 44.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657149 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1764.60 | $147.05 | $800.04 | $66.67 | $0.00 | $4115.05 |  | Yes | XXXX | XX | $66.67 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.875 | 0.875 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 113.7 | XXXX | 113.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657152 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1764.60 | $147.05 | $1200.00 | $100.00 | $0.00 | $4264.84 |  | N/A | XXXX | XX | $100.00 | 01/XX/2026 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.868 | 0.764 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 71 | XXXX | 71 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657170 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1764.60 | $147.05 | $800.04 | $66.67 | $0.00 | $4115.05 |  | N/A | XXXX | XX | $66.67 | 01/XX/2026 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.875 | 0.875 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 33.9 | XXXX | 33.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657186 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $3034.44 | $252.87 | $0.00 | $0.00 | $0.00 | $2012.01 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.138 | 1.078 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 638 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  | XXXX | 1 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13 | XXXX | 16.8 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 658506 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 1 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6955 | 04/XX/2025 | 6.620% |  |  | No | 8.513% |  | 8.124% |  | XXXX | No |  | XXXX | XXXX | $2699.04 | $224.92 | $0.00 | $0.00 | $0.00 | $2414.81 | $4881.02 | N/A |  |  | $0.00 |  |  | 0.00% | 37.91% | 37.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 69.3 | No | 72.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 658714 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.124% |  | XXXX | No |  | XXXX | XXXX | $1598.04 | $133.17 | $0.00 | $0.00 | $0.00 | $4844.37 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.888 | 0.888 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 88.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 661679 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1800.00 | $150.00 | $0.00 | $0.00 | $0.00 | $1115.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.793 | 1.793 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 661681 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 19518.78 | 06/XX/2025 | 6.920% |  |  | No | 8.655% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $2707.92 | $225.66 | $0.00 | $0.00 | $0.00 | $4019.06 | $10770.94 | N/A |  |  | $0.00 |  |  | 0.00% | 31.31% | 31.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.7 | XXXX | 1.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 661755 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2532.00 | $211.00 | $750.00 | $62.50 | $0.00 | $3655.35 |  | N/A | XXXX | XX | $62.50 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.897 | 0.897 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.6 | XXXX | 6.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 661790 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $6813.12 | $567.76 | $0.00 | $0.00 | $0.00 | $4482.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.937 | 0.937 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 73.9 | No | 55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 661817 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 16165 | 05/XX/2025 | 6.930% |  |  | No | 9.737% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $1601.04 | $133.42 | $0.00 | $0.00 | $0.00 | $6912.02 | $15607.86 | N/A |  |  | $0.00 |  |  | 0.00% | 36.17% | 36.17% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 | 05/XX/2025 |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.3 | XXXX | 27.3 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 661856 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2760.00 | $230.00 | $0.00 | $0.00 | $0.00 | $6634.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.942 | 0.942 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 232.1 | XXXX | 232.1 | No | 61.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 662708 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1914.00 | $159.50 | $0.00 | $0.00 | $0.00 | $3458.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.781 | 0.691 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 50 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 663497 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1655.04 | $137.92 | $0.00 | $0.00 | $0.00 | $7525.91 | $42797.22 | N/A |  |  | $0.00 |  |  | 0.00% | 33.11% | 33.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.5 | XXXX | 12.5 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 664695 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1475 | 06/XX/2025 | 6.920% |  |  | No | 7.508% |  | 7.499% |  | XXXX | No |  | XXXX | XXXX | $23261.04 | $1938.42 | $1200.00 | $100.00 | $0.00 | $33888.63 | $78924.77 | N/A | XXXX | XX | $100.00 | 07/XX/2025 | Annually | 0.00% | 34.83% | 34.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | Yes | No | 60 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 229.9 | XXXX | 229.9 | No | 64.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 664956 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1662.96 | $138.58 | $0.00 | $0.00 | $0.00 | $1536.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.009 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.1 | XXXX | 7.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 665989 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8875 | 05/XX/2025 | 6.740% |  |  | No | 8.034% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $254.04 | $21.17 | $0.00 | $0.00 | $0.00 | $6327.23 | $8384.77 | N/A |  |  | $0.00 |  |  | 0.00% | 49.94% | 49.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.8 | No | 67.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 665993 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 25345 | 06/XX/2025 | 6.890% |  |  | No | 9.954% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $976.08 | $81.34 | $129.96 | $10.83 | $0.00 | $14736.70 | $32998.14 | N/A | XXXX | XX | $10.83 |  | Annually | 0.00% | 46.97% | 46.97% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Business P&L | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Stocks/Bonds | Third-Party Prepared (Unaudited) | 24 | CPA | Third-Party Prepared (Unaudited) | CPA | 24 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | Yes | 12 | 144 | FNMA 1005 | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 \|\| Co Borrower - SEPartnership, Wage, Overtime and Bonus - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2024, 2025 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 | 03/XX/2025 |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 46.6 | XXXX | 62.8 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 666010 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1199.04 | $99.92 | $0.00 | $0.00 | $0.00 | $1082.03 | $8547.27 | N/A |  |  | $0.00 |  |  | 0.00% | 33.65% | 33.65% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 106.8 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 666922 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $3951.00 | $329.25 | $0.00 | $0.00 | $0.00 | $15748.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.54 | 0.74 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 668305 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2459.04 | $204.92 | $0.00 | $0.00 | $0.00 | $5911.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.694 | 0.694 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 10.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 668445 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6964.7 | 06/XX/2025 | 6.830% |  |  | No | 8.654% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1145.52 | $95.46 | $540.00 | $45.00 | $0.00 | $2106.37 | $6435.18 | N/A | XXXX | XX | $45.00 | 09/XX/2025 | Monthly | 0.00% | 35.76% | 35.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | PTIN |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.6 | XXXX | 18.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 669556 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $4212.96 | $351.08 | $0.00 | $0.00 | $0.00 | $14050.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.897 | 0.881 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9 | No | 57.72 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 669587 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1283.04 | $106.92 | $8940.00 | $745.00 | $0.00 | $3009.96 |  | Yes | XXXX | XX | $745.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.116 | 1.116 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 281.5 | XXXX | 281.5 | No | 70 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 670533 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $790.08 | $65.84 | $0.00 | $0.00 | $0.00 | $7145.66 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.504 | 0.504 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 85 | XXXX | 85 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 670621 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1184.04 | $98.67 | $0.00 | $0.00 | $0.00 | $2222.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.215 | 1.215 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.1 | XXXX | 8.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 670655 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2279.40 | $189.95 | $27600.00 | $2300.00 | $0.00 | $6081.52 |  | Yes | XXXX | XX | $2300.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.096 | 1.096 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 57.8 | No | 70 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 671300 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8931.5 | 05/XX/2025 | 6.870% |  |  | No | 8.965% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $2549.40 | $212.45 | $0.00 | $0.00 | $0.00 | $2435.30 | $9339.44 | N/A |  |  | $0.00 |  |  | 0.00% | 21.16% | 21.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 631 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 96.2 | No | 56.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 672026 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $4615.68 | $384.64 | $0.00 | $0.00 | $0.00 | $7403.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.81 | 1.81 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 643 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 73.5 | No | 39.02 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 672102 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10708.13 | 06/XX/2025 | 6.830% |  |  | No | 8.151% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $827.40 | $68.95 | $0.00 | $0.00 | $0.00 | $2974.30 | $4883.24 | N/A |  |  | $0.00 |  |  | 0.00% | 52.86% | 52.86% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 53 | Yes | 53 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.8 | XXXX | 13.8 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 672113 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $1161.96 | $96.83 | $6720.00 | $560.00 | $0.00 | $3381.91 |  | Yes | XXXX | XX | $560.00 | 08/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.094 | 1.094 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.3 | XXXX | 18.3 | No | 42.86 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 673985 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $2951.04 | $245.92 | $624.96 | $52.08 | $0.00 | $2902.76 |  | N/A | XXXX | XX | $52.08 |  | Annually | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.842 | 0.842 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 87.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 675859 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1154.88 | $96.24 | $0.00 | $0.00 | $0.00 | $1639.61 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.098 | 1.098 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Other | B1/B2 VISA | XX | XXXX | XXXX |  |  | Other |  | XXXX | Foreign National | Foreign National | N/A | Other | B1/B2 VISA | XX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17 | XXXX | 17 | No | 63 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 675899 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 15335 | 06/XX/2025 | 6.830% |  |  | No | 9.642% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $2787.96 | $232.33 | $0.00 | $0.00 | $0.00 | $6702.45 | $26991.70 | N/A |  |  | $0.00 |  |  | 0.00% | 22.18% | 22.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.1 | XXXX | 4.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 676543 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $1696.32 | $141.36 | $0.00 | $0.00 | $0.00 | $2918.06 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.48 | 0.48 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | N/A |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal Use |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.2 | XXXX | 0.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 676751 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 29018.65 | 06/XX/2025 | 6.770% |  |  | No | 8.804% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $4717.92 | $393.16 | $0.00 | $0.00 | $0.00 | $5581.15 | $13927.43 | N/A |  |  | $0.00 |  |  | 0.00% | 40.50% | 40.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.9 | XXXX | 23.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 677598 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18685.84 | 06/XX/2025 | 6.920% |  |  | No | 8.740% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $2319.48 | $193.29 | $0.00 | $0.00 | $0.00 | $5308.12 | $17486.83 | N/A |  |  | $0.00 |  |  | 0.00% | 30.57% | 30.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal use | MARYLAND DL NOT FOR FEDERAL IDENTIFICATION | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | ITIN Credit Report | XXXX | 4.2 | XXXX | 4.2 | No | 67.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 677652 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | No | No | No | N/A | N/A | 5615 | 06/XX/2025 | 6.830% |  |  | No | 7.978% |  | 7.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2860.44 | $238.37 | $3099.96 | $258.33 | $0.00 | $2530.91 | $9073.34 | N/A | XXXX | XX | $258.33 | 08/XX/2025 | Annually | 0.00% | 49.95% | 49.95% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 27 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 10 | No | 53.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 678431 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 32901.28 | 06/XX/2025 | 6.830% |  |  | No | 9.607% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $4714.32 | $392.86 | $0.00 | $0.00 | $0.00 | $6937.36 | $10401.64 | N/A |  |  | $0.00 |  |  | 0.00% | 43.94% | 43.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025, 2023 | Borrower - 2024, 2025, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 8.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 679229 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.749% |  | XXXX | No |  | XXXX | XXXX | $663.00 | $55.25 | $4356.00 | $363.00 | $0.00 | $1262.32 |  | Yes | XXXX | XX | $363.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.05 | 1.05 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.9 | XXXX | 7.9 | No | 61.54 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 679267 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2574.72 | $214.56 | $0.00 | $0.00 | $0.00 | $4678.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.715 | 0.715 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | New York State Identification Card | XX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 34.4 | XXXX | 34.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 680318 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $4769.88 | $397.49 | $600.00 | $50.00 | $0.00 | $2899.08 | $21966.32 | N/A | XXXX | XX | $50.00 | 08/XX/2025 | Annually | 0.00% | 22.55% | 22.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/XX/2025 | 04/XX/2025 |  |  |  | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 87.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 680332 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11825 | 06/XX/2025 | 6.880% |  |  | No | 7.568% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1486.80 | $123.90 | $13200.00 | $1100.00 | $0.00 | $4893.37 | $17251.23 | N/A | XXXX | XX | $1100.00 | 08/XX/2025 | Monthly | 0.00% | 34.36% | 34.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.8 | XXXX | 31.8 | No | 24.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 681594 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $3500.52 | $291.71 | $0.00 | $0.00 | $0.00 | $6629.75 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.603 | 0.528 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.1 | XXXX | 17.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 681979 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14225 | 06/XX/2025 | 6.880% |  |  | No | 8.006% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1961.04 | $163.42 | $0.00 | $0.00 | $0.00 | $10804.97 | $13400.59 | N/A |  |  | $0.00 |  |  | 0.00% | 46.40% | 46.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 14.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 682778 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $2085.00 | $173.75 | $0.00 | $0.00 | $0.00 | $4698.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.128 | 1.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 94.9 | No | 28.19 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 683418 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1505.04 | $125.42 | $0.00 | $0.00 | $0.00 | $2329.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.545 | 1.545 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 59.1 | No | 23.7 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 684061 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 37901.25 | 07/XX/2025 | 6.670% |  |  | No | 8.344% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $1532.04 | $127.67 | $0.00 | $0.00 | $0.00 | $7150.11 | $31592.60 | N/A |  |  | $0.00 |  |  | 0.00% | 26.82% | 26.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 73.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 684752 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12974.2 | 06/XX/2025 | 6.830% |  |  | No | 10.134% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $2922.00 | $243.50 | $1299.96 | $108.33 | $0.00 | $6827.95 | $12107.05 | N/A | XXXX | XX | $108.33 |  | Annually | 0.00% | 39.39% | 39.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.4 | XXXX | 9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 685388 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 36934.8 | 07/XX/2025 | 6.670% |  |  | No | 8.874% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2716.92 | $226.41 | $180.00 | $15.00 | $0.00 | $7457.77 | $23656.90 | N/A | XXXX | XX | $15.00 | 09/XX/2025 | Annually | 0.00% | 32.77% | 32.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.5 | XXXX | 5.5 | No | 84.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 685796 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $4521.96 | $376.83 | $0.00 | $0.00 | $0.00 | $7119.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 | 1.054 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Other | El Salvador DL | XX | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.6 | XXXX | 1.6 | No | 50 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 686781 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21600 | 07/XX/2025 | 6.670% |  |  | No | 7.777% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2852.16 | $237.68 | $0.00 | $0.00 | $0.00 | $13778.74 | $22293.14 | N/A |  |  | $0.00 |  |  | 0.00% | 49.36% | 49.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Child Support - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Separation Agreement Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/XX/2025 | 03/XX/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 11.9 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 694923 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1957.32 | $163.11 | $7332.00 | $611.00 | $0.00 | $2899.69 |  | N/A | XXXX | XX | $611.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.845 | 0.84 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.2 | XXXX | 19.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 696471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6776 | 06/XX/2025 | 6.830% | Manual Underwriting |  | No | 8.706% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $861.84 | $71.82 | $1236.00 | $103.00 | $0.00 | $2302.99 | $11895.02 | N/A | XXXX | XX | $103.00 |  | Monthly | 0.00% | 36.54% | 36.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 34.7 | XXXX | 34.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 696476 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7575 | 07/XX/2025 | 6.670% |  |  | No | 7.671% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $2472.96 | $206.08 | $300.00 | $25.00 | $0.00 | $2800.08 | $5799.72 | N/A | XXXX | XX | $25.00 |  | Annually | 0.00% | 39.16% | 39.16% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.5 | XXXX | 20 | No | 53.51 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 700655 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $1259.04 | $104.92 | $6972.00 | $581.00 | $0.00 | $3428.11 |  | Yes | XXXX | XX | $581.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.846 | 0.845 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.5 | XXXX | 0.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 713532 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11670 | 07/XX/2025 | 6.750% |  |  | No | 8.052% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1524.96 | $127.08 | $5581.44 | $465.12 | $0.00 | $8727.04 | $21269.48 | Yes | XXXX | XX | $465.12 |  | Monthly | 0.00% | 30.88% | 30.88% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 0 | 12 | 66.69% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 12 | Yes | 41 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.7 | XXXX | 18.7 | No | 90 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 714178 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 10025 | 05/XX/2025 | 6.870% | Manual Underwriting |  | No | 8.555% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1512.00 | $126.00 | $0.00 | $0.00 | $437.00 | $4279.16 | $5951.99 | N/A |  |  | $0.00 |  |  | 0.00% | 49.56% | 49.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 84 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 655 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No | N/A |  | Closed End - Fixed |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 85.1 | No | 46.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 714656 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1841.04 | $153.42 | $650.04 | $54.17 | $0.00 | $2974.65 |  | N/A | XXXX | XX | $54.17 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.1 | XXXX | 9.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715167 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/XX/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2466.00 | $205.50 | $0.00 | $0.00 | $0.00 | $8049.50 | $11308.05 | N/A |  |  | $0.00 |  |  | 0.00% | 46.37% | 46.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 32.4 | XXXX | 32.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715319 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1280.04 | $106.67 | $0.00 | $0.00 | $0.00 | $3283.14 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.792 | 0.792 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715516 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 20747 | 07/XX/2025 | 6.750% |  |  | No | 8.880% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $5895.96 | $491.33 | $249.96 | $20.83 | $0.00 | $6585.39 | $11006.82 | N/A | XXXX | XX | $20.83 |  | Annually | 0.00% | 45.55% | 45.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.1 | XXXX | 24.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 720544 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $956.04 | $79.67 | $2340.00 | $195.00 | $0.00 | $2166.34 |  | N/A | XXXX | XX | $195.00 | 08/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.016 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 56.3 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 720637 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 38435 | 07/XX/2025 | 6.750% |  |  | No | 8.767% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $3434.88 | $286.24 | $0.00 | $0.00 | $0.00 | $16902.01 | $33937.20 | N/A |  |  | $0.00 |  |  | 0.00% | 46.87% | 46.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 21.2 | XXXX | 21.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 722617 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11044.2 | 07/XX/2025 | 6.790% |  |  | No | 8.387% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1075.68 | $89.64 | $1500.00 | $125.00 | $0.00 | $3066.32 | $19982.51 | N/A | XXXX | XX | $125.00 |  | Monthly | 0.00% | 23.29% | 23.29% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 1 | 2 | Yes | N/A | 1 | 2 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 723914 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $10689.96 | $890.83 | $2496.00 | $208.00 | $0.00 | $8408.21 |  | N/A | XXXX | XX | $208.00 | 08/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.809 | 0.809 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  | Standard Driver's License - Not for federal Use |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9 | XXXX | 9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 724069 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 12434.12 | 07/XX/2025 | 6.750% |  |  | No | 8.371% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $1340.28 | $111.69 | $0.00 | $0.00 | $0.00 | $2582.64 | $5175.38 | N/A |  |  | $0.00 |  |  | 0.00% | 34.65% | 34.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 30 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19.9 | No | 29.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 728678 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13791.5 | 07/XX/2025 | 6.750% |  |  | No | 9.643% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $1974.00 | $164.50 | $0.00 | $0.00 | $0.00 | $4105.73 | $6850.26 | N/A |  |  | $0.00 |  |  | 0.00% | 45.04% | 45.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 604 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 730605 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 11913 | 07/XX/2025 | 6.750% |  |  | No | 8.674% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $1518.96 | $126.58 | $0.00 | $0.00 | $0.00 | $4494.27 | $12337.18 | N/A |  |  | $0.00 |  |  | 0.00% | 42.06% | 42.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.9 | XXXX | 18.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 731227 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15569 | 07/XX/2025 | 6.750% | Manual Underwriting |  | No | 7.974% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1869.96 | $155.83 | $0.00 | $0.00 | $0.00 | $7941.05 | $27610.24 | N/A |  |  | $0.00 |  |  | 0.00% | 42.57% | 42.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 50 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 733020 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $552.96 | $46.08 | $4752.00 | $396.00 | $0.00 | $1788.67 |  | Yes | XXXX | XX | $396.00 | 10/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.006 | 1.006 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.1 | XXXX | 16.1 | No | 70 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 733062 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2024 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $729.00 | $60.75 | $9996.00 | $833.00 | $0.00 | $2307.05 |  | Yes | XXXX | XX | $833.00 | 10/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.019 | 1.019 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.7 | XXXX | 10.7 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 733698 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/XX/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2324.04 | $193.67 | $0.00 | $0.00 | $0.00 | $6379.13 | $171304.51 | N/A |  |  | $0.00 |  |  | 0.00% | 21.31% | 21.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 57.3 | XXXX | 57.3 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 734230 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2243.04 | $186.92 | $0.00 | $0.00 | $0.00 | $1147.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.482 | 1.482 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 253.7 | XXXX | 253.7 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 734254 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $5196.00 | $433.00 | $0.00 | $0.00 | $0.00 | $6762.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.861 | 0.861 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 43.5 | No | 62.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 734258 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $498.00 | $41.50 | $0.00 | $0.00 | $0.00 | $1762.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.019 | 1.019 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 638 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.9 | XXXX | 95.5 | No | 56.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 735627 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1515.96 | $126.33 | $0.00 | $0.00 | $0.00 | $2201.25 | $32103.63 | N/A |  |  | $0.00 |  |  | 0.00% | 24.70% | 24.70% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 51.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 735727 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $4754.04 | $396.17 | $0.00 | $0.00 | $0.00 | $2008.18 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.593 | 1.592 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.7 | XXXX | 76.8 | No | 42.07 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 738081 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8193.25 | 07/XX/2025 | 6.790% |  |  | No | 8.084% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1736.28 | $144.69 | $0.00 | $0.00 | $0.00 | $2214.74 | $7971.24 | N/A |  |  | $0.00 |  |  | 0.00% | 28.14% | 28.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  |  | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - null CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.3 | XXXX | 26.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 738280 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $687.00 | $57.25 | $2400.00 | $200.00 | $0.00 | $1557.72 |  | N/A | XXXX | XX | $200.00 | 10/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.396 | 1.396 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 50.44 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 739218 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/XX/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14298.75 | 08/XX/2025 | 6.750% |  |  | No | 7.716% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $2934.96 | $244.58 | $0.00 | $0.00 | $0.00 | $6914.10 | $24135.35 | N/A |  |  | $0.00 |  |  | 0.00% | 26.96% | 26.96% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 32.4 | XXXX | 32.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 739821 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2339.04 | $194.92 | $0.00 | $0.00 | $0.00 | $2474.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.455 | 1.455 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 74 | No | 40 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 739950 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $858.96 | $71.58 | $0.00 | $0.00 | $0.00 | $2765.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.519 | 1.519 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 5 | 1 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 119.6 | No | 33.49 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 744035 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $972.96 | $81.08 | $0.00 | $0.00 | $0.00 | $11269.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.532 | 0.532 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 744204 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2007.96 | $167.33 | $0.00 | $0.00 | $0.00 | $1232.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.095 | 1.095 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.7 | XXXX | 10.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 744262 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1208.04 | $100.67 | $0.00 | $0.00 | $0.00 | $5877.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.766 | 0.766 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 35.1 | XXXX | 35.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 744270 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4265 | 08/XX/2025 | 6.770% |  |  | No | 8.633% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $2205.00 | $183.75 | $675.00 | $56.25 | $0.00 | $4119.86 | $8465.37 | N/A | XXXX | XX | $56.25 | 01/XX/2026 | Annually | 0.00% | 41.42% | 37.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | CPA |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0 | XXXX | 30.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 744280 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $663.00 | $55.25 | $0.00 | $0.00 | $0.00 | $4710.55 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.955 | 0.955 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 33.9 | XXXX | 33.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 745427 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 18151 | 08/XX/2025 | 6.610% |  |  | No | 9.210% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $4541.52 | $378.46 | $900.00 | $75.00 | $0.00 | $4895.96 | $185524.80 | N/A | XXXX | XX | $75.00 |  | Annually | 0.00% | 4.48% | 4.48% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 35.00% | 65.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 | 07/XX/2025 |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.6 | XXXX | 9.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 745931 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 30162.5 | 07/XX/2025 | 6.750% |  |  | No | 8.980% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $6721.20 | $560.10 | $0.00 | $0.00 | $0.00 | $10891.49 | $18895.95 | N/A |  |  | $0.00 |  |  | 0.00% | 45.86% | 45.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 747449 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 14581.9 | 08/XX/2025 | 6.630% |  |  | No | 8.637% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $3579.72 | $298.31 | $0.00 | $0.00 | $0.00 | $7072.57 | $12870.26 | N/A |  |  | $0.00 |  |  | 0.00% | 39.87% | 39.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.2 | XXXX | 11.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 747617 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 41212.5 | 08/XX/2025 | 6.630% |  |  | No | 8.685% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $2949.96 | $245.83 | $0.00 | $0.00 | $0.00 | $12872.46 | $19471.37 | N/A |  |  | $0.00 |  |  | 0.00% | 40.71% | 40.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.6 | XXXX | 6.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 747797 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1422.96 | $118.58 | $240.00 | $20.00 | $0.00 | $3892.09 |  | N/A | XXXX | XX | $20.00 | 09/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.899 | 0.899 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 15.6 | No | 69.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 747947 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6334.88 | 08/XX/2025 | 6.750% |  |  | No | 7.765% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $585.00 | $48.75 | $3036.00 | $253.00 | $0.00 | $3478.38 | $20072.53 | N/A | XXXX | XX | $253.00 | 10/XX/2025 | Monthly | 0.00% | 14.86% | 14.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.1 | XXXX | 3.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 750220 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1781.52 | $148.46 | $0.00 | $0.00 | $0.00 | $4581.02 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.611 | 0.611 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.5 | XXXX | 5.4 | No | 63.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 751241 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 113844 | 07/XX/2025 | 6.750% |  |  | No | 7.707% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $19344.60 | $1612.05 | $1068.00 | $89.00 | $0.00 | $30274.92 | $33149.76 | N/A | XXXX | XX | $89.00 |  | Monthly | 0.00% | 49.77% | 49.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | PTIN |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.3 | XXXX | 37 | No | 64.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 751536 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1688.04 | $140.67 | $7104.00 | $592.00 | $0.00 | $3053.66 |  | Yes | XXXX | XX | $592.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.09 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 58.2 | No | 64.94 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 751746 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 61475 | 08/XX/2025 | 6.750% |  |  | No | 8.016% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $10185.96 | $848.83 | $3180.00 | $265.00 | $0.00 | $27264.97 | $597309.18 | N/A | XXXX | XX | $265.00 | 10/XX/2025 | Monthly | 0.00% | 5.17% | 5.17% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 07/XX/2025 |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.3 | XXXX | 50.2 | No | 71.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 754915 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3627 | 07/XX/2025 | 6.670% |  |  | No | 9.032% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1048.56 | $87.38 | $3960.00 | $330.00 | $0.00 | $1305.95 | $2213.76 | Yes | XXXX | XX | $330.00 | 10/XX/2025 | Monthly | 0.00% | 48.46% | 48.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/XX/2025 | 05/XX/2025 |  |  |  | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 26.32 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 759424 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 31075 | 08/XX/2025 | 6.630% |  |  | No | 9.930% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $3444.00 | $287.00 | $0.00 | $0.00 | $0.00 | $14793.93 | $53253.07 | N/A |  |  | $0.00 |  |  | 0.00% | 24.28% | 24.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.5 | XXXX | 24.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 761134 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 36825 | 08/XX/2025 | 6.630% |  |  | No | 8.138% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $7166.04 | $597.17 | $6000.00 | $500.00 | $0.00 | $15957.24 | $110577.17 | N/A | XXXX | XX | $500.00 | 10/XX/2025 | Monthly | 0.00% | 14.25% | 14.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 58.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 761162 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $6819.96 | $568.33 | $0.00 | $0.00 | $0.00 | $16427.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.035 | 1.035 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 56.6 | No | 55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 762264 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 18721.25 | 08/XX/2025 | 6.610% |  |  | No | 9.877% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $4418.04 | $368.17 | $1596.00 | $133.00 | $0.00 | $7121.44 | $128280.67 | N/A | XXXX | XX | $133.00 | 11/XX/2025 | Monthly | 0.00% | 5.33% | 5.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 8.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 762960 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5291.54 | 08/XX/2025 | 6.630% |  |  | No | 7.412% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $1602.96 | $133.58 | $0.00 | $0.00 | $0.00 | $1146.16 | $3245.11 | N/A |  |  | $0.00 |  |  | 0.00% | 27.03% | 27.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 28 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.4 | XXXX | 0.4 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 764603 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9496.25 | 09/XX/2025 | 6.570% |  |  | No | 9.095% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2979.96 | $248.33 | $0.00 | $0.00 | $0.00 | $2595.36 | $12995.64 | N/A |  |  | $0.00 |  |  | 0.00% | 23.96% | 23.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.2 | XXXX | 11.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 764692 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $1094.04 | $91.17 | $1764.00 | $147.00 | $0.00 | $1318.43 |  | N/A | XXXX | XX | $147.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.062 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 69 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 764880 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 90000 | 08/XX/2025 | 6.610% |  |  | No | 7.889% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $43818.00 | $3651.50 | $24000.00 | $2000.00 | $0.00 | $49773.79 | $131603.13 | N/A | XXXX | XX | $2000.00 | 11/XX/2025 | Monthly | 0.00% | 32.51% | 32.51% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | Yes | 108 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.4 | XXXX | 24.7 | No | 64.29 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 769308 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3834.72 | $319.56 | $0.00 | $0.00 | $0.00 | $17883.06 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.51 | 1.51 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.1 | XXXX | 5.1 | No | 57.14 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 769311 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 13906.25 | 09/XX/2025 | 6.570% |  |  | No | 8.123% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3819.96 | $318.33 | $0.00 | $0.00 | $0.00 | $7342.97 | $10870.70 | N/A |  |  | $0.00 |  |  | 0.00% | 47.25% | 47.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 31 | CPA |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.3 | XXXX | 17.3 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 771975 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7937.5 | 07/XX/2025 | 6.750% |  |  | No | 8.174% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $942.96 | $78.58 | $6336.00 | $528.00 | $0.00 | $3406.82 | $5208.18 | Yes | XXXX | XX | $528.00 | 10/XX/2025 | Monthly | 0.00% | 43.93% | 43.93% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 12 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 | 07/XX/2025 |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | Other |  | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Standard Driver's License - Not for federal Use |  | XX | XXXX | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 50.1 | XXXX | 50.1 | No | 35.34 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 772367 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 81475 | 08/XX/2025 | 6.630% |  |  | No | 7.048% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $10005.00 | $833.75 | $7284.00 | $607.00 | $0.00 | $34823.68 | $392650.19 | N/A | XXXX | XX | $607.00 | 10/XX/2025 | Monthly | 0.00% | 26.22% | 26.22% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 55.00% | 45.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 50 | Yes | 50 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 41.1 | XXXX | 41.1 | No | 61.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 772506 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2024 | 1 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6445 | 09/XX/2025 | 6.570% |  |  | No | 8.221% |  | 7.999% |  | XXXX | No |  | XXXX | XXXX | $2745.60 | $228.80 | $0.00 | $0.00 | $0.00 | $7686.80 | $15118.91 | N/A |  |  | $0.00 |  |  | 0.00% | 36.28% | 36.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 3 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 89.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 772579 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 17070.14 | 09/XX/2025 | 6.570% |  |  | No | 9.619% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $2479.92 | $206.66 | $5040.00 | $420.00 | $0.00 | $5156.08 | $24565.19 | Yes | XXXX | XX | $420.00 |  | Monthly | 0.00% | 19.42% | 19.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.9 | XXXX | 14.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 772648 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $941.04 | $78.42 | $8520.00 | $710.00 | $0.00 | $3730.10 | $54180.53 | Yes | XXXX | XX | $710.00 | 10/XX/2025 | Monthly | 0.00% | 11.36% | 11.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.1 | XXXX | 4.1 | No | 74.71 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 773164 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $6807.00 | $567.25 | $0.00 | $0.00 | $0.00 | $26655.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.327 | 1.327 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 44.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 773221 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12562.83 | 09/XX/2025 | 6.540% |  |  | No | 8.812% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $821.04 | $68.42 | $3144.00 | $262.00 | $0.00 | $7939.86 | $25348.14 | N/A | XXXX | XX | $262.00 | 11/XX/2025 | Monthly | 0.00% | 37.26% | 37.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale,Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.5 | XXXX | 8.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 774790 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11842.5 | 08/XX/2025 | 6.630% |  |  | No | 7.390% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $5925.00 | $493.75 | $816.00 | $68.00 | $0.00 | $3540.03 | $12690.34 | N/A | XXXX | XX | $68.00 | 10/XX/2025 | Monthly | 0.00% | 44.47% | 44.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | XXXX | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.1 | XXXX | 23.1 | No | 50.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 774930 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 14543.75 | 08/XX/2025 | 6.630% |  |  | No | 8.269% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1875.00 | $156.25 | $0.00 | $0.00 | $0.00 | $4587.18 | $10545.55 | N/A |  |  | $0.00 |  |  | 0.00% | 41.51% | 41.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.7 | XXXX | 16.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 775665 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $2821.08 | $235.09 | $0.00 | $0.00 | $0.00 | $1562.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.136 | 1.136 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 652 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 4.4 | XXXX | 4.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 776455 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 33858.98 | 09/XX/2025 | 6.540% |  |  | No | 9.424% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $2957.04 | $246.42 | $0.00 | $0.00 | $0.00 | $9654.98 | $13288.28 | N/A |  |  | $0.00 |  |  | 0.00% | 42.08% | 42.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.7 | XXXX | 16.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 777184 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17524.06 | 09/XX/2025 | 6.540% |  |  | No | 7.562% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1026.96 | $85.58 | $0.00 | $0.00 | $0.00 | $4945.06 | $6376.17 | N/A |  |  | $0.00 |  |  | 0.00% | 47.03% | 47.03% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 24 | Yes | N/A | 0 | 24 | 97.28% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025, 2023 \|\| Co Borrower - SECorporation, SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025, 2023 | Borrower - 2024, 2025, 2023 \|\| Co Borrower - 2024, 2025, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 | 07/XX/2025 |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.6 | XXXX | 19.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 777671 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10287.38 | 09/XX/2025 | 6.570% |  |  | No | 8.590% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $1690.08 | $140.84 | $200.04 | $16.67 | $0.00 | $3037.90 | $27642.55 | N/A | XXXX | XX | $16.67 |  | Annually | 0.00% | 37.49% | 37.49% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 | 07/XX/2025 |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.1 | XXXX | 15.1 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 778073 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.999% |  | XXXX | No |  | XXXX | XXXX | $3202.80 | $266.90 | $2100.00 | $175.00 | $0.00 | $6072.08 |  | N/A | XXXX | XX | $175.00 | 11/XX/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.5 | XXXX | 7.9 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 778076 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8784 | 09/XX/2025 | 6.570% |  |  | No | 7.704% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2742.00 | $228.50 | $1575.00 | $131.25 | $0.00 | $3878.42 | $17569.83 | N/A | XXXX | XX | $131.25 | 11/XX/2026 | Monthly | 0.00% | 35.25% | 35.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 8.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 778795 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1128.00 | $94.00 | $0.00 | $0.00 | $0.00 | $1339.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.393 | 1.393 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/XX/2025 | 06/XX/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 3.4 | XXXX | 60.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 779253 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1763.28 | $146.94 | $0.00 | $0.00 | $0.00 | $7137.68 | $33194.21 | N/A |  |  | $0.00 |  |  | 0.00% | 32.21% | 32.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 31.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 780494 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 14275 | 09/XX/2025 | 6.540% |  |  | No | 7.620% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $2979.00 | $248.25 | $3108.00 | $259.00 | $0.00 | $11123.87 | $22278.27 | N/A | XXXX | XX | $259.00 | 11/XX/2025 | Monthly | 0.00% | 40.85% | 38.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 31 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.9 | XXXX | 17.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 780535 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 8916.04 | 09/XX/2025 | 6.570% |  |  | No | 8.336% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $3249.96 | $270.83 | $0.00 | $0.00 | $0.00 | $5947.52 | $81508.64 | N/A |  |  | $0.00 |  |  | 0.00% | 7.27% | 7.27% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 35.00% | 65.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.8 | XXXX | 9.8 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 781936 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 29525 | 09/XX/2025 | 6.320% |  |  | No | 8.787% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $672.96 | $56.08 | $0.00 | $0.00 | $0.00 | $12558.84 | $23166.57 | N/A |  |  | $0.00 |  |  | 0.00% | 38.51% | 38.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 31 | CPA |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 781994 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8555 | 08/XX/2025 | 6.630% |  |  | No | 7.620% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $2919.96 | $243.33 | $0.00 | $0.00 | $0.00 | $2701.96 | $8240.32 | N/A |  |  | $0.00 |  |  | 0.00% | 29.57% | 29.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.7 | XXXX | 6.2 | No | 34.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 783944 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 33454 | 08/XX/2025 | 6.610% |  |  | No | 8.141% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $2547.96 | $212.33 | $0.00 | $0.00 | $0.00 | $9369.22 | $18190.51 | N/A |  |  | $0.00 |  |  | 0.00% | 35.67% | 35.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.6 | XXXX | 4.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 783957 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 31141.25 | 08/XX/2025 | 6.630% |  |  | No | 8.587% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $5952.00 | $496.00 | $1680.00 | $140.00 | $0.00 | $12302.16 | $24629.10 | N/A | XXXX | XX | $140.00 | 10/XX/2026 | Monthly | 0.00% | 47.66% | 47.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.6 | XXXX | 13.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 783986 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/XX/2025 | 4 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $3602.04 | $300.17 | $0.00 | $0.00 | $0.00 | $1893.91 | $16637.34 | N/A |  |  | $0.00 |  |  | 0.00% | 25.00% | 25.00% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | Yes | 12 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 156.1 | XXXX | 156.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 786204 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10015 | 09/XX/2025 | 6.540% |  |  | No | 7.656% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1869.96 | $155.83 | $350.04 | $29.17 | $0.00 | $3718.28 | $6466.30 | N/A | XXXX | XX | $29.17 | 10/XX/2025 | Annually | 0.00% | 41.94% | 41.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 786219 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 21907.72 | 09/XX/2025 | 6.540% |  |  | No | 8.897% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $4579.44 | $381.62 | $522.00 | $43.50 | $0.00 | $6627.72 | $43228.46 | N/A | XXXX | XX | $43.50 | 11/XX/2025 | Annually | 0.00% | 21.06% | 21.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 99 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.3 | XXXX | 4.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 787846 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1326.96 | $110.58 | $0.00 | $0.00 | $0.00 | $2233.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.209 | 1.209 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.6 | XXXX | 38.6 | No | 83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 788377 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 71409.08 | 09/XX/2025 | 6.570% |  |  | No | 7.899% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $8146.92 | $678.91 | $0.00 | $0.00 | $0.00 | $24248.83 | $78111.17 | N/A |  |  | $0.00 |  |  | 0.00% | 28.22% | 28.22% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.6 | XXXX | 11.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 792527 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15755 | 09/XX/2025 | 6.320% |  |  | No | 7.660% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1244.16 | $103.68 | $9000.00 | $750.00 | $0.00 | $7553.68 | $30489.20 | Yes | XXXX | XX | $750.00 |  | Monthly | 0.00% | 38.70% | 38.70% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.1 | XXXX | 5.1 | No | 85 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 792558 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 60675 | 09/XX/2025 | 6.320% |  |  | No | 7.744% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $10477.08 | $873.09 | $7776.00 | $648.00 | $0.00 | $26176.18 | $41991.78 | N/A | XXXX | XX | $648.00 | 11/XX/2025 | Monthly | 0.00% | 40.75% | 40.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.1 | XXXX | 28.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 793963 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 19475 | 09/XX/2025 | 6.540% |  |  | No | 6.860% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $4404.00 | $367.00 | $0.00 | $0.00 | $0.00 | $6923.49 | $18141.03 | N/A |  |  | $0.00 |  |  | 0.00% | 32.42% | 27.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 45.9 | No | 50.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 798043 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2574.00 | $214.50 | $0.00 | $0.00 | $0.00 | $3590.76 | $2862.93 | N/A |  |  | $0.00 |  |  | 0.00% | 33.11% | 33.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 81.09% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 631 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 3.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 800760 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9929.88 | 09/XX/2025 | 6.540% |  |  | No | 7.866% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2159.04 | $179.92 | $900.00 | $75.00 | $0.00 | $2684.90 | $22690.09 | N/A | XXXX | XX | $75.00 |  | Annually | 0.00% | 18.34% | 18.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.9 | XXXX | 55.3 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 800770 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8281.25 | 09/XX/2025 | 6.320% |  |  | No | 7.273% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $3812.64 | $317.72 | $0.00 | $0.00 | $0.00 | $2300.27 | $5607.50 | N/A |  |  | $0.00 |  |  | 0.00% | 31.93% | 31.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 16 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 7.5 | No | 29.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 803173 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12768.75 | 09/XX/2025 | 6.540% |  |  | No | 6.933% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3070.80 | $255.90 | $0.00 | $0.00 | $0.00 | $3955.73 | $18626.00 | N/A |  |  | $0.00 |  |  | 0.00% | 24.73% | 24.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.7 | XXXX | 98.7 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 804341 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 29105 | 09/XX/2025 | 6.540% |  |  | No | 7.771% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $7272.12 | $606.01 | $4560.00 | $380.00 | $0.00 | $23511.51 | $188426.71 | N/A | XXXX | XX | $380.00 |  | Monthly | 0.00% | 12.27% | 12.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 6.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 808446 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 08/XX/2025 | 6 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4745 | 09/XX/2025 | 6.310% |  |  | No | 7.972% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1872.00 | $156.00 | $0.00 | $0.00 | $0.00 | $2333.17 | $27386.08 | N/A |  |  | $0.00 |  |  | 0.00% | 26.65% | 26.65% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 130.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 809573 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2368.80 | $197.40 | $0.00 | $0.00 | $0.00 | $2598.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.077 | 1.077 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 37.4 | XXXX | 37.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 809574 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2265.00 | $188.75 | $2250.00 | $187.50 | $0.00 | $6552.76 |  | N/A | XXXX | XX | $187.50 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.763 | 0.763 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 67.9 | XXXX | 67.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 815449 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $6541.32 | $545.11 | $0.00 | $0.00 | $0.00 | $4858.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.021 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 75.8 | XXXX | 75.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 817432 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8646.5 | 09/XX/2025 | 6.220% |  |  | No | 6.550% |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $7685.04 | $640.42 | $0.00 | $0.00 | $0.00 | $16652.22 | $40001.52 | N/A |  |  | $0.00 |  |  | 0.00% | 32.57% | 32.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 31 | CPA |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 118.1 | No | 47.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 830531 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 15032.5 | 10/XX/2025 | 6.290% |  |  | No | 7.280% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2289.96 | $190.83 | $0.00 | $0.00 | $0.00 | $4189.40 | $12700.51 | N/A |  |  | $0.00 |  |  | 0.00% | 28.07% | 28.07% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.5 | XXXX | 18.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 834169 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 28594.5 | 10/XX/2025 | 6.290% |  |  | No | 7.570% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $7596.96 | $633.08 | $0.00 | $0.00 | $0.00 | $12015.03 | $152153.91 | N/A |  |  | $0.00 |  |  | 0.00% | 18.69% | 18.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 73.4 | XXXX | 73.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 835696 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/XX/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1528.08 | $127.34 | $0.00 | $0.00 | $0.00 | $2269.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.355 | 1.45 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 15.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 838263 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13893 | 10/XX/2025 | 6.240% |  |  | No | 7.474% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $356.04 | $29.67 | $6336.00 | $528.00 | $0.00 | $5254.86 | $15134.57 | Yes | XXXX | XX | $528.00 |  | Monthly | 0.00% | 30.33% | 30.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/XX/2025 | 07/XX/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.7 | XXXX | 14.7 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 838266 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10896 | 10/XX/2025 | 6.240% |  |  | No | 7.383% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3173.04 | $264.42 | $350.04 | $29.17 | $0.00 | $7551.07 | $22904.13 | N/A | XXXX | XX | $29.17 |  | Annually | 0.00% | 39.26% | 39.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 32.6 | No | 61.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 838268 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 31235.58 | 10/XX/2025 | 6.290% |  |  | No | 7.717% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $3928.80 | $327.40 | $5472.00 | $456.00 | $0.00 | $8690.08 | $18321.42 | N/A | XXXX | XX | $456.00 |  | Monthly | 0.00% | 46.16% | 46.16% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.9 | XXXX | 13.9 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 840191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $1799.04 | $149.92 | $0.00 | $0.00 | $0.00 | $11622.75 | $31800.67 | N/A |  |  | $0.00 |  |  | 0.00% | 43.75% | 43.75% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 60.17% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | Yes | 37 | 33 | Other | Yes | 48 | 33 | FNMA 1005 | No | 0 |  |  | Borrower - SESCorp, Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 08/XX/2025 |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.5 | XXXX | 11.5 | No | 85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 840193 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10936.63 | 10/XX/2025 | 6.290% |  |  | No | 7.416% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $9465.96 | $788.83 | $0.00 | $0.00 | $0.00 | $6200.28 | $12909.48 | N/A |  |  | $0.00 |  |  | 0.00% | 44.82% | 44.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 44.8 | XXXX | 44.8 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 841315 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12100 | 09/XX/2025 | 6.570% |  |  | No | 7.089% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $5826.24 | $485.52 | $1400.04 | $116.67 | $0.00 | $5605.16 | $11950.02 | N/A | XXXX | XX | $116.67 |  | Annually | 0.00% | 34.56% | 34.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 48.3 | XXXX | 48.3 | No | 50.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 841545 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 13201.25 | 10/XX/2025 | 6.290% |  |  | No | 8.118% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2783.04 | $231.92 | $888.00 | $74.00 | $0.00 | $5505.93 | $13195.56 | N/A | XXXX | XX | $74.00 |  | Monthly | 0.00% | 35.40% | 35.40% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 71.38% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 42 | 42 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.9 | XXXX | 11.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 841546 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3015 | 10/XX/2025 | 6.240% |  |  | No | 8.277% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $1029.96 | $85.83 | $750.00 | $62.50 | $0.00 | $2752.85 | $4930.48 | N/A | XXXX | XX | $62.50 |  | Annually | 0.00% | 41.79% | 41.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16 | XXXX | 16 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 847115 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3813.7 | 10/XX/2025 | 6.240% |  |  | No | 7.036% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3030.00 | $252.50 | $0.00 | $0.00 | $0.00 | $2475.48 | $6140.89 | N/A |  |  | $0.00 |  |  | 0.00% | 29.68% | 29.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 187 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 117 | XXXX | 117 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 848549 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10343.69 | 10/XX/2025 | 6.240% |  |  | No | 8.293% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2192.04 | $182.67 | $0.00 | $0.00 | $0.00 | $2371.96 | $15890.82 | N/A |  |  | $0.00 |  |  | 0.00% | 20.31% | 20.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 80.2 | XXXX | 80.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 848550 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10451.98 | 10/XX/2025 | 6.240% |  |  | No | 8.062% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1016.04 | $84.67 | $0.00 | $0.00 | $0.00 | $2104.45 | $39545.01 | N/A |  |  | $0.00 |  |  | 0.00% | 5.66% | 5.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.5 | XXXX | 20.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 849235 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3205.08 | $267.09 | $0.00 | $0.00 | $0.00 | $3687.17 | $26872.67 | N/A |  |  | $0.00 |  |  | 0.00% | 30.76% | 30.76% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 59.4 | XXXX | 59.4 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 850731 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $3185.28 | $265.44 | $0.00 | $0.00 | $0.00 | $4559.57 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.987 | 0.987 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/XX/2025 | 08/XX/2025 | 11/XX/2025 |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 13 | XXXX | 29.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 852934 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13490 | 10/XX/2025 | 6.240% |  |  | No | 7.500% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1724.16 | $143.68 | $0.00 | $0.00 | $0.00 | $5601.44 | $58703.82 | N/A |  |  | $0.00 |  |  | 0.00% | 12.92% | 12.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.3 | XXXX | 4.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 852937 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 13934.84 | 10/XX/2025 | 6.240% |  |  | No | 8.293% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $2394.00 | $199.50 | $972.00 | $81.00 | $0.00 | $5440.98 | $10876.87 | N/A | XXXX | XX | $81.00 |  | Monthly | 0.00% | 37.20% | 37.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.5 | XXXX | 6.5 | No | 84.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 852939 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 7.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2595.72 | $216.31 | $0.00 | $0.00 | $0.00 | $5431.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.345 | 0.792 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 36.2 | XXXX | 36.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 854723 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2510.04 | $209.17 | $0.00 | $0.00 | $0.00 | $3322.58 | $10838.42 | N/A |  |  | $0.00 |  |  | 0.00% | 46.29% | 46.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 10 | CPA |  |  |  | Yes | 131 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.3 | XXXX | 18.3 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 856294 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/XX/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2007.00 | $167.25 | $0.00 | $0.00 | $0.00 | $1675.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.134 | 1.134 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 | 10/XX/2025 |  |  | 633 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.1 | XXXX | 8.1 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 857920 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 45595 | 11/XX/2025 | 6.170% |  |  | No | 7.097% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $14429.88 | $1202.49 | $0.00 | $0.00 | $0.00 | $16321.80 | $77648.57 | N/A |  |  | $0.00 |  |  | 0.00% | 21.49% | 21.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/XX/2025 | 11/XX/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.2 | XXXX | 23.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857922 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 25363.75 | 10/XX/2025 | 6.160% |  |  | No | 7.600% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $10749.00 | $895.75 | $2256.00 | $188.00 | $0.00 | $13067.27 | $30071.50 | N/A | XXXX | XX | $188.00 |  | Monthly | 0.00% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 3.9 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857923 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1899.00 | $158.25 | $0.00 | $0.00 | $0.00 | $4164.98 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.096 | 1.096 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 53.5 | XXXX | 53.5 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857933 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13102.5 | 11/XX/2025 | 6.170% |  |  | No | 8.905% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2111.04 | $175.92 | $0.00 | $0.00 | $0.00 | $5716.90 | $7453.95 | N/A |  |  | $0.00 |  |  | 0.00% | 49.60% | 49.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.1 | XXXX | 8.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 863915 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $7000.00 | 7.500% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2345.04 | $195.42 | $0.00 | $0.00 | $0.00 | $3366.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.129 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 96.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 865467 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $12420.36 | $1035.03 | $0.00 | $0.00 | $0.00 | $8762.37 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.656 | 1.655 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 2.4 | XXXX | 2.4 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 867470 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 12319 | 10/XX/2025 | 6.240% |  |  | No | 8.148% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1797.96 | $149.83 | $4092.00 | $341.00 | $0.00 | $5199.42 | $8581.14 | N/A | XXXX | XX | $341.00 | 12/XX/2025 | Annually | 0.00% | 45.11% | 45.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.4 | XXXX | 3.4 | No | 74.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 870590 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5470 | 10/XX/2025 | 6.160% |  |  | No | 7.548% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $5202.12 | $433.51 | $318.96 | $26.58 | $0.00 | $1696.98 | $4396.00 | N/A | XXXX | XX | $26.58 |  | Annually | 0.00% | 48.94% | 48.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/XX/2025 | 09/XX/2025 |  |  |  | 620 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 56.7 | No | 32.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 870593 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1772.04 | $147.67 | $0.00 | $0.00 | $0.00 | $2048.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.318 | 1.318 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 37.2 | XXXX | 37.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 872223 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 16065 | 10/XX/2025 | 6.240% |  |  | No | 7.467% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3322.80 | $276.90 | $0.00 | $0.00 | $0.00 | $4644.90 | $10088.08 | N/A |  |  | $0.00 |  |  | 0.00% | 44.53% | 44.53% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 56.74% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SESoleProprietor - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |  |  | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.3 | XXXX | 14.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 872230 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/XX/2025 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11527.5 | 10/XX/2025 | 6.160% |  |  | No | 9.020% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $1824.00 | $152.00 | $60.00 | $5.00 | $0.00 | $2946.24 | $51818.24 | N/A | XXXX | XX | $5.00 | 01/XX/2026 | Annually | 0.00% | 20.03% | 20.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.5 | XXXX | 18.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 874191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.000% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $4034.28 | $336.19 | $500.04 | $41.67 | $0.00 | $5263.85 |  | N/A | XXXX | XX | $41.67 | 01/XX/2026 | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.439 | 1.425 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 0 | No | 85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 874200 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/XX/2025 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1503.72 | $125.31 | $5064.00 | $422.00 | $0.00 | $6790.04 | $25714.88 | N/A | XXXX | XX | $422.00 | 01/XX/2026 | Monthly | 0.00% | 42.54% | 42.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/XX/2025 | 10/XX/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.7 | No | 85 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

![](ex99-4_002.jpg)

**February 17, 2026<br> Due Diligence Narrative Report**![](ex99-4_001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **10** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **12** |
| **Appendix B: Origination Appraisal Assessment** | **16** |
| **Appendix C: Regulatory Compliance Review Scope** | **19** |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 1 February 17, 2026

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-4_004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-4_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of 133 residential loans selected for the PRPM 2026-NQM1 transaction. The loans referenced in this narrative report were reviewed on a flow basis from July 2018 to December 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 133 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;119 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;14 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 2 February 17, 2026

![](ex99-4_001.jpg)

**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 loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by<br> Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;133 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;133 |  |

---

Sponsor Acquisition Criteria

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

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.

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 3 February 17, 2026

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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 133 loans in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Noted the field of employment and business company name for employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ The debt service coverage ratios (DSCR) are independently calculated and reviewed by Clayton and compared
against the Sponsor Acquisition Criteria.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review 1003/Application/Declarations and other documentation in the file to support occupancy is for investment
purposes.

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 4 February 17, 2026

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Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (133 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (133 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

For further detail please refer to the PRPM 2026-NQM1 Valuations Summary Report.

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 5 February 17, 2026

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms' 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 15<sup>th</sup>, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

**<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).

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 6 February 17, 2026

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

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

Data Integrity

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

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

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

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

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

Data Capture

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

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 7 February 17, 2026

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**Data Compare Results**

Clayton provided PRP-Annex VI AIV, LLC 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Total Income | 6 | 95.49% |
| &nbsp;&nbsp;Borrower 2 First Name | 6 | 95.49% |
| &nbsp;&nbsp;Borrower 2 Last Name | 1 | 99.25% |
| &nbsp;&nbsp;Cash Reserves | 67 | 49.62% |
| &nbsp;&nbsp;Combined LTV | 19 | 85.71% |
| &nbsp;&nbsp;Credit Report Date | 8 | 93.98% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 8 | 93.98% |
| &nbsp;&nbsp;Disbursement Date | 10 | 92.48% |
| &nbsp;&nbsp;Documentation Type | 2 | 98.50% |
| &nbsp;&nbsp;Loan Purpose | 1 | 99.25% |
| &nbsp;&nbsp;Months Reserves | 67 | 49.62% |
| &nbsp;&nbsp;Note Rate | 1 | 99.25% |
| &nbsp;&nbsp;Original Appraisal Date | 11 | 91.73% |
| &nbsp;&nbsp;Original Appraised Value | 3 | 97.74% |
| &nbsp;&nbsp;Original LTV | 1 | 99.25% |
| &nbsp;&nbsp;Origination Date | 1 | 99.25% |
| &nbsp;&nbsp;Prepay Penalty Term | 2 | 98.50% |
| &nbsp;&nbsp;Product Type | 16 | 87.97% |
| &nbsp;&nbsp;Property Type | 9 | 93.23% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 3 | 97.74% |
| &nbsp;&nbsp;Securitization Total Cash Out | 6 | 95.49% |
| &nbsp;&nbsp;Total Cash Out | 74 | 44.36% |
| &nbsp;&nbsp;Total Monthly Income | 5 | 96.24% |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 8 February 17, 2026

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 69 |  | 10 | 17 | **96** |
| **Final** | **B** |  | 21 | 6 | 10 | **37** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **69** | **21** | **16** | **27** | **133** |

---

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** | 78 | 1 | 7 | 14 | **100** |
| **Final** | **B** |  | 20 | 5 | 8 | **33** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **78** | **21** | **12** | **22** | **133** |

---

**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** | 125 |  | 4 | 4 | **133** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **125** | **0** | **4** | **4** | **133** |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 9 February 17, 2026

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 50 |  | 2 | 10 | **62** |
| **Final** | **B** |  | 1 | 3 | 2 | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **50** | **1** | **5** | **12** | **68** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (65 Loans)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 10 February 17, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 11 February 17, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 12 February 17, 2026

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- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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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;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 19 February 17, 2026

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 20 February 17, 2026

![](ex99-4_001.jpg)

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced 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:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |

---

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 21 February 17, 2026

![](ex99-4_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

PRPM 2026-NQM1 Due Diligence Narrative Report Page \| 22 February 17, 2026

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *133* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 164315 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 164316 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9791.25 | XXXXXX | 8.3182 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 163917 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163946 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163263 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164109 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6288 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 164318 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164319 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23140 | XXXXXX | 8.3901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 164320 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164321 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164322 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 164064 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163190 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163230 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163941 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164063 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163920 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163177 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163168 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13474.35 | XXXXXX | 9.3019 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 163206 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163198 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163175 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163187 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163904 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163915 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163194 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163213 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22178.95 | XXXXXX | 9.2429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 163166 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163901 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163229 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163185 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163224 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163932 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 163170 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163222 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163241 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9901 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163234 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163200 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163936 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163928 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163909 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163903 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163202 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163918 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163208 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164067 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163902 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163935 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163233 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 163210 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163219 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2621.68 | XXXXXX | 6.7445 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 163938 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 24685 | XXXXXX | 8.0305 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 163235 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163220 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163184 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166114 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164071 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163193 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10961.9 | XXXXXX | 7.1992 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 163236 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163927 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163243 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163930 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163907 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163926 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163906 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163221 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163910 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163911 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163919 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163916 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 166118 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 166121 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166113 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166506 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163333 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 26974 | XXXXXX | 7.2049 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16152.92 |
| 164027 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1471 | XXXXXX | 5.398 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 164018 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13886 | XXXXXX | 3.5222 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 163983 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16871 | XXXXXX | 5.9319 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 163998 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 48067.5 | XXXXXX | 4.125 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164019 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 22491 | XXXXXX | 5.249 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164040 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 22687.5 | XXXXXX | 4.75 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163328 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22366 | XXXXXX | 5.1599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 163981 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 32487 | XXXXXX | 3.9989 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 163696 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 660 | XXXXXX | 8.252 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162404 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162376 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162368 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162397 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.988 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4359.11 |
| 162373 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1643 | XXXXXX | 7.5583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162346 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2046 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162332 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162384 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | 7.6439 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 162388 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1925 | XXXXXX | 6.9095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12340 |
| 162331 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162414 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 162366 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2533.63 | XXXXXX | 7.4224 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10454.56 |
| 162348 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13175 | XXXXXX | 8.6841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162385 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11048.75 | XXXXXX | 9.3877 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162364 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162349 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162411 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162358 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 19576 | XXXXXX | 8.1717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162321 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9148 | XXXXXX | 7.7582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162322 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 827.13 | XXXXXX | 7.2319 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 162323 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 20217.1 | XXXXXX | 7.0314 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 162336 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15637.25 | XXXXXX | 7.9412 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162374 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5938.75 | XXXXXX | 7.6848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162365 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162324 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162353 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162407 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.6249 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162320 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162347 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19772 | XXXXXX | 8.0418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162355 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16555.25 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 16640.53 |
| 162338 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 7.9787 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 75145.99 |
| 162327 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162341 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162390 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162342 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162391 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162356 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162400 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162379 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12232.5 | XXXXXX | 7.6119 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 162351 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12495 | XXXXXX | 7.6209 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23214.63 |
| 162337 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 162345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162357 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162401 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 163214 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163240 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163186 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163195 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163165 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *133* |
| ***Loans with Conditions:*** | *65* |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 164315 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $550,935.76 or 62.60 months, 3 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: With 17 open tradelines and 0 x 30 x 24 borrowers exhibit a good credit history. |
| 164316 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied C A | XXXX | Legal document was not executed or is incomplete | No | Missing page 1 of Condo Rider. | 10.1.25-Client provided mortgage including all pages of riders, notarized. Satisfied. | 10.1.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of646 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $39,092.43 or 13.04 months of PITIA. 3 months required. |
| 164316 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | XXXX | Notary Status is missing | No | Mortgage is missing Notary page | 10.1.25-Client provided mortgage, notarized. Satisfied. | 10.1.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of646 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $39,092.43 or 13.04 months of PITIA. 3 months required. |
| 163917 | XXXXXX | NY | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Title | Satisfied C A | XXXX | Potential title issue | No | Missing title supplement reflecting XXX Bank lien dated XX/XX/XXXX was assigned to XXX which is HELOC account number XXX paid off and closed at closing. | 11-19-25 Client uploaded payoff for XXX.11-26-25 Client replied: Per title, XXX Bank is XXX, therefore an Assignment of Mortgage is not required in this case. Please waive | 11-19-25 Clayton reviewed payoff which does not evidence it is the same lien on the title reflected as XXX. Please contact settlement agent for title supplement reflecting XXX Bank was assigned to XXX. Exception remains.12-1-25 Clayton reviewed client reply and research online indicates XXXl Bank XXX XX/XX/XXXX. Lien is dated XX/XX/XXXX prior to merger and lien amount matches HELOC statements in file which also reflect the subject property address. Explanation and Online search satisfies exception. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $41,742.22, 9.33 months; 6 months required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has paid her rent on time for the past 4 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with one car loan and one credit card. |
| 163946 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is low at 32.609%, maximum allowed is 60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43.11 months reserves are below the 3 required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 16 years. |
| 163263 | XXXXXX | NV | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | XXXX | Loan documents do not meet guideline requirements | No | Gift funds are eligible to be used due to the donor (borrower's mother) is also the borrower's Realtor on the transaction. Per guidelines 1.6.4.1, donor may not be or have any affiliation with the real estate agent or any other interested party to the transaction. Clayton considers this non material as borrower is experienced investor, with credit score 721/660, 9.2 months post closing reserves with 6 months required, and LTV is 80% with 85% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 721 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $24175.60, 9.20 months reserves, 6 months required |
| 164109 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement max of 80.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per application, borrower has resided at their primary residence for 17 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $15,231.91 or 8.98 months PITI reserves exceed required reserves of $0.00. |
| 164318 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report of 675 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $580,586.96, 94.67 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 31 months exceeds the required 12 months. |
| 164319 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 624 mid-score per CBR. 620 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 17 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.73 months of reserves in file. 6 months required. |
| 164320 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | XXXX | Number of mortgaged properties exceeds guideline limit | No | Fraud report reflects 4 Active MERS reflecting financing with XXXXXX. Guidelines allow 4 HEM financed properties. The subject property is the 5th XXXXXX financed property. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 140.24 months cash reserves/12 required, credit score of 737/700 minimum and minimal credit usage of 6%. | 10-1-25 XXXXXX accepts B grade | 10-2-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 Qualifying fico. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140.24 months piti reserves. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 6%. |
| 164320 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | XXXX | Income Documentation Missing | No | Guidelines require if using a higher actual lease amount, evidence of 2-months of receipt is required.Lender provided lease at $2,100 and evidence of one months receipt and security deposit. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 140.24 months cash reserves/12 required, credit score of 737/700 minimum and Minimal credit usage of 6%. | 10-1-25 XXXXX accepts B Grade. | 10-2-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 Qualifying fico. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140.24 months piti reserves. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 6%. |
| 164320 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | XXXX | Loan parameters do not meet guidelines | No | Guidelines (sec 1.4.1.3) for a cash out refinance on property owned less than 6 months requires a minimum DSCR of 1.15%. Lender approved loan at 1.0757 DSCR. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 140.24 months cash reserves/12 required, credit score of 737/700 minimum and Minimal credit usage of 6%. | 10-1-25 XXXXX accepts B Grade. | 10-2-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 Qualifying fico. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140.24 months piti reserves. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 6%. |
| 164320 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | XXXX | Borrower does not meet guideline requirements | No | Guidelines (sec 1.4.1.3) for a cash out refinance on property owned less than 6 months states: No credit exceptions. The following exceptions exist on the loan: 1) Minimum DSCR is 1.15%/ Lender approved loan at 1.0757 DSCR. 2) Missing 2 months rent receipt and 3) Exceeds XXXXXX allowable exposure with 5 financed properties.Clayton deems non-material/non-fatal to lending decision due to compensating factors: 140.24 months cash reserves/12 required, credit score of 737/700 minimum and Minimal credit usage of 6%. | 10-1-25 XXXXX accepts B Grade. | 10-2-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 Qualifying fico. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140.24 months piti reserves. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 6%. |
| 164321 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $337,927.70, 117.95 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 756 and minimum is 700<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late payments on mortgages with 8 year history. |
| 164322 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | XXXX | Missing or incomplete documentation related to citizenship/residency | No | Provide clarification of residency/citizenship status; loan application indicates US citizen and active E1 VISA found in file on page 137 of 580. | 9-23-25 Client uploaded 1003. | 9-24-25 Clayton reviewed 1003 which reflects non-perm resident. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 9 years credit history with no late payments, 2 years is required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower uses 22% of available credit lines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 164322 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Active B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months reserves required and 5.5 months verified. Clayton considers this non material as borrower has 9 years of credit history with no late payments, stability with 8 years at same residence, and is an experienced investor. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 9 years credit history with no late payments, 2 years is required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower uses 22% of available credit lines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 164064 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | XXXX | Missing Mortgage | No | Provide executed copy of Mortgage including notary, and any riders. | 12.9.25-Client provided 155 page package that included note & mortgage. Satisfied. | 12.9.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 194.96 months of reserves is above the required 0. |
| 164064 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | XXXX | Missing Note | No | Provide executed copy of note including any addendums. | 12.9.25-Client provided 155 page package that included note & mortgage. Satisfied. | 12.9.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 194.96 months of reserves is above the required 0. |
| 164064 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | XXXX | Notary Status is missing | No | Provide Notary (pg. 17) page to mortgage, completed. | 12.9.25-Client provided mortgage , including notary. Satisfied. | 12.9.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 194.96 months of reserves is above the required 0. |
| 163190 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $65,923.45, 24.22 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 753. The guideline minimum is 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is using 1% of the available revolving credit limit. |
| 163230 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 773. G/l min is 700 |
| 163941 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of741 is above the required 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of87 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $66,299.88 or 8.51 months of PITIA. 0 months required. |
| 164063 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of730 is above the required 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of124 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $35,538.06 or 15.26 months of PITIA. 0 months required. |
| 163920 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active B | XXXX | LTV Exceeds Guideline Requirement by 10% or more | No | 10% LTV exception as Max LTV is 55% for a cash out refinance with credit score of 632. Loan closed at 65% LTV as a rate term refinance. Per Guidelines (sec 1.4.1.2): Refinance of a previous loan that provided cash out, as measured from the previous note date to the new note date, and is seasoned less than 12-months, will be considered a cash out refinance.XXXX provided cash out to borrower of $68,867.11 per HUD provided in the file. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 59 months mortgage history/12 required, 8.72 months cash reserves/3 required and payment reduced $128.45/month or 5.53% | 12-2-25 Client replied: HEM accepts B grade | 12-02-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $128.45/month or 5.53%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $19146.05, 8.72 months reserves, 3 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds the required 12 months. |
| 163920 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Business entity does not meet guidelines | No | Missing Articles of Organization and EIN documents for XXXX. Loan closed in the name of an LLC. | 12-3-25 Client uploaded docs. | 12-3-25 Clayton reviewed Art of org and EIN doc. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $128.45/month or 5.53%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $19146.05, 8.72 months reserves, 3 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds the required 12 months. |
| 163177 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | XXXX | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence to support funds to close as Guidelines require on vested retirement accounts: For down payment and closing costs, if funds havent been liquidated, confirm the borrower can access/withdraw funds.The only asset provided was a XXX retirement account. Borrower paid $9,251 to close by wire from XXX XXX, which was not verified. Borrower's net cost to close was $1,944.54 as $7,306.46 was refunded. Clayton deems non-material/non-fatal to lending decision due to Compensating factors: 4.65 months cash reserves/3 required, credit score of 745/700 minimum and mortgage history of 3 years/1 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $41,667.85, 4.65 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of mortgage history is above the required 1. |
| 163177 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | XXXX | Income docs do not meet guidelines | No | XXX reports used for DSCR calculation are only acceptable on purchases per NONI guidelines. Lender used XXX report to qualify and had appraiser add to report however this did not change the appraiser's opinion of market rent which was $5300 based on long term. Clayton deems non-material/non-fatal to lending decision as property has had significant remodeling by owner per appraisal in preparation for short term rental use. Compensating factors include: 4.65 months cash reserves/3 required, credit score of 745/700 minimum and mortgage history of 3 years/1 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $41,667.85, 4.65 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of mortgage history is above the required 1. |
| 163168 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Active B | XXXX | Debt Ratio Exception 5% or Less | No | Max DTI for first time homebuyer is 45%. Borrower's DTI is 45.56%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 701 is above the required 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental history of 22 months with 12 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 8 years at job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $111,465.64 or 13.24 months PITI reserves exceed required reserves of ($8,420.09 x 12 = $101,041.08). |
| 163206 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | XXXX | Asset Verification In File is Incomplete Per Requirements | No | Missing documentation verifying percentage of ownership of XXXX. Funds for closing needed from XXXX which is a business account listing borrower and another member of the LLC. | 11-7-25 Client replied: Please see uploaded Operating Agreement | 11-10-25 Clayton reviewed Operating agreement which reflects 100% ownership. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 19% revolving debt utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 621 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $19456.59, 4.63 months reserves, 0 months required |
| 163198 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of717 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 22<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $32163.27 or 4.02 months of PITIA. 0 months required. |
| 163175 | XXXXXX | OK | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | XXXX | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 9.75% LTV exception. Guidelines require a 10% reduction in maximum LTV when a gift is involved and the borrower does not have own 5% ($44500). Borrower verified funds: $10,000 EMDs + XXX $15,613.59 (10-10-25) + XXX $372.40 (9-30-25) = $25,985.99. Short $18,514.01 of having own 5% required. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 2.2 months cash reserves/0 required, 781 credit score/700 minimum, 0% credit usage and 26 months mortgage history/12 required. . | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 26 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of781 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 0%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $12211.56 or 2.2 months of PITIA. 0 months required. |
| 163187 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 745 > 125 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5.563 months of reserves exceeds guideline requirements of 0 months. |
| 163904 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | XXXX | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow for 4 HEM financed properties. Borrower has 7 properties with at least 6 being refinanced with HEM financing. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 671/660 minimum, 25.7 months cash reserves/3 required and 3 years mortgage payment history/1 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.7 months reserves are above the required 3.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of mortgage history is above the required 1. |
| 163915 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $1,248.76 in cash reserves or 1.07 months. Cash reserves verified at $9,289.52, cash reserves required $10,538.28. 9 months required due to less than 6 months ownership per guidelines (sec 1.4.1.3).Clayton deems non-material/non-fatal to lending decision due to Credit score of 670/660 minimum, LTV of 68.388%/70% maximum and minimal credit use of 9%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of671 is above the required 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.388% is below the maximum allowable of 70%. |
| 163194 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | XXXX | LTV Exceeds Guideline Requirement by 10% or more | No | 10% LTV exception due to XXXX max being 75% and loan closed at 85%. XXXX as 1007 indicates fair market rent of $1,750/$2014.60 = .8687 DSCR. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 797/700 minimum, 33.11 months cash reserves/6 required and mortgage history of 99 months /12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of mortgage history is above the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.11 months reserves are above the required 6. |
| 163213 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 7.3 years employed with AFK Construction.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7.3 years working in the XXX industry.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.41 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months of 0x30 rental history per VOR in file. |
| 163166 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 655 is above the required 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $14,105.00, 4.52 months. 0 months required. |
| 163901 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.73 months reserves in file. |
| 163229 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 746. Exceeds the guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $112,121.84, 8.99 months. 3 months reserves are required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is utilizing 26% of the available revolving credit limit. |
| 163185 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | XXXX | Insufficient Funds to Close | No | Based on August 31, 2025 partial bank statement XXX XXX , borrower verified assets $29,912.26. Cash to Close $XXXX. Borrower short verified funds to close $39,051.06. Full copy of the August 31, 2025 XXX XXX statement must also be provided. | 11-4-25 Client replied: attached is the Oct XXX #XXX evidencing sufficient funds to cover cash to close. utilized $74,993.27 funds g/t thru Note date of XX/XX/XXXX | 11-5-25 Clayton reviewed October XXX statement using balance just before closing evidencing sufficient funds to close. Used July and partial August statement and October statement to satisfy 30 day requirement. Although missing full August statement - July statement reflects account with 30 days activity prior to closing which could have been used for approval therefore August statement is not felt to be necessary as sufficient funds are now verified with October statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 653 is 13 points above minimum program requirement of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x47 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 163224 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 398 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $56,701.57, 10.29 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 773. Guideline minimum 700. |
| 163932 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | XXXX | Loan parameters do not meet guidelines | No | DSCR without asset assist does not meet required low end calculation, the calculation is .6944% and required low end is .75%. Lender DSCR of .7538% did not include the monthly flood insurance payment of $375.08. Clayton considers this non material due to compensating factors, borrower has 12 months reserves in additional to the assets used for income depletion, credit score is 775/700, and borrower has 11 years of clear credit history with no late payments. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $57,929.32, 12.19 months, using cash out only. 6 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late payments on credit report with 11 year credit history. |
| 163170 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | XXXX | Appraiser is currently on an exclusionary list | No | Missing documents used to clear ASC alert on fraud report for XXX, supervising appraiser. | 11-7-25 Client replied: Please see uploaded ASC. | 11-10-25 Clayton reviewed ASC search - alert cleared. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 774 is above the required 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of .27%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $11,931.42, 7.58 months. 0 months required. |
| 163222 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 724. The guideline minimum is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $62,931.53, 22.01 months. No reserves are required. |
| 163241 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 371 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 120 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid-score per CBR.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 0%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $104,314.03 or 20.68 months of PITIA. 0 months required. |
| 163234 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 31.89 months of reserves is above the required 6.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 22 years of mortgage history is above the required 1. |
| 163200 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.65 months of reserves are above the 6 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 22 years of mortgage history is above the 1 year required. |
| 163936 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | XXXX | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow 4 HEM financed properties. Borrower owns 7 properties and at least 6 are being refinanced with HEM. Clayton deems non-material/non-fatal to lending decision due to Compensating factors: Credit score 671/660 minimum, 19.90 months cash reserves/6 required and minimal credit use of 5.17%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 671 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $26,749.95, 19.90 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 5.17%. |
| 163928 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | XXXX | Flood Expiration date is prior than the transaction date | No | Please provide Flood policy with effective date of XXXX or earlier which has not expired. Document in file shows effective date and expiration date of XXXX | 12-5-25 Client replied: see uploaded amended Flood Policy | 12-8-25 Clayton reviewed flood insurance with effective date XXXX and expiration date of 10-16-26. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 671 is 11 points above minimum program requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x12 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $50,000.41, 45.47 months; 3 months required. |
| 163909 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $84,860.79, 41.41 months. 0 months required. |
| 163903 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | XXXX | Number of mortgaged properties exceeds guideline limit | No | Borrower has 7 HEM financed properties. The max is 4. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 671/660 minimum, 21.74 months cash reserves/3 required and 3 years mortgage payment history/1 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21.74 months reserves are above the required 3.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 3 years of mortgage history is above the required 1. |
| 163202 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence as owners for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $100,222.60, 17.6 months; none required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 719 and minimum is 660 |
| 163918 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | XXXX | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing housing payment for primary residence located at XXX covering 12 months. Per 1003, borrower has resided for 3 yrs at primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $XXXX, 23.01 months reserves, 3 months required |
| 163208 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 505 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 292 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.63 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 164067 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 210.42 months of reserves are above the required 3. |
| 163902 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.86 months reserves are above the required 3<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has tradelines since 2002. |
| 163935 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 671 is 11 points above minimum program requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $12,098.39/12.36 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 9% of available revolving credit. |
| 163233 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $207,872.86. 73.96 months. No reserves are required,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 787. Guideline minimum 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the guideline maximum of 85% |
| 163210 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $7320.92, 2.51 months. 0 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has almost no revolving debt and 1 auto loan. |
| 163219 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing HOA statement for XXX. | 11-7-25 Client replied: We already included the HOA fee in our calculation. Borrower escrows are included in payment so the 80.78 was the HOA. Uploaded updated 1003. DTI went from 5.296 to 5.29. | 11-10-25 Clayton reviewed application which list $65. as HOA fee. On-line search with XXX uploaded to document $65.95 per month as HOA fee. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 791. Exceeds the guideline minimum of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 84.25% is below the program maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $593,165.70 or 145.07months. 6 months reserves required. |
| 163219 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing HOA statement for XXX | 11-7-25 Client replied: We already included the HOA fee in our calculation. Borrower escrows are included in payment so the 80.78 was the HOA. Uploaded updated 1003. DTI went from 5.296 to 5.29. | 11-10-25 Clayton reviewed application which list $65. as HOA fee. On-line search with XXX uploaded to document $65.95 per month as HOA fee. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 791. Exceeds the guideline minimum of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 84.25% is below the program maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $593,165.70 or 145.07months. 6 months reserves required. |
| 163938 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower has 3.98 months reserves but 6 are required. Exception deemed non material to overall lending decision. grade =2/B.DTI 41.31%, 80% TLV, 11 years in same line of business | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 credit score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX for 11 years. |
| 163235 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 mid-score per CBR. 640 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 135 months of 0x30 rental history per VOR and rent checks<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5.22 months of reserves in file, 0 months required. |
| 163220 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 730. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 29% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.25 months piti reserves in file, none are required. |
| 163184 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | XXXX | Completed "Subject To" w/o Completion Cert in File | No | Missing the required 442 Completion Cert for installation of CO detector per appraisal in file. | 11-10-25 Client replied: Processor cert was provided confirming CO/smoker detectors were installed along with photos. Reuploaded, Please clear11-25-25 Client replied: uploaded 1004D | 11-10-25 Clayton reviewed certification regarding the installation of smoke alarm and pictures. A review of the original appraisal reflects the smoke detector being installed. The appraisal was subject to the installation of CO detector. Exception remains. 11-25-25 Clayton reviewed 1004D which reflects CO2 detector installed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 219 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4.41 months of reserves in file, 0 months required. |
| 166114 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 12 months on current primary and 19 months on previous primary exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $13,886.68, 4.26 months. 0 months required. |
| 164071 | XXXXXX | OK | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | XXXX | LTV Exceeds Guideline Requirement by 10% or more | No | LTV is 85% Borrower has not contributed 5% of own funds to the transaction as required to use gift funds, maximum LTV is 75%. 5% is $47,500. The Borrower funds contributed to the purchase were $9,500 EMD & $XXXX CTC = $28,341.22 or XXXX. Clayton deems this non material as borrower has verified sufficient funds to contribute 5% with post closing reserves of $58,477.11, 9 months; borrower has made all mortgage payments on time with 32 months history and has credit score of 781/740. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 41 points above minimum program requirement of 740.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x32 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower only using 8% of available revolving credit. |
| 163193 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | Provide PCCD correcting closing & disbursement date (including closing cost & cash to close if applicable). XXXX | 11.19.25-Client provided XXXX correcting disbursement date, Satisfied. | 11.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 636 qualifying credit score per CBR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 9.6 years in the XXX industry.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.34 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.48% LTV per review; 70% LTV is maximum allowed per guidelines. |
| 163236 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $52,351.55, 15.01 months. 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%. |
| 163927 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 35 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 797. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 13% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48.21 months piti reserves |
| 163243 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of793 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $27044.06 or 10.18 months of PITIA. 0 months required. |
| 163930 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $60,705.64, 14.02 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 789. The guideline minimum is 740.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is utilizing 2% of the revolving credit limit. |
| 163907 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $130142.03, 88.35 months reserves, 3 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 775 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 54 months reviewed for primary residence mtg, exceeds required 12 months |
| 163926 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 783. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $77,075.95, 25.53 months. No reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 77.81%. The guideline maximum is 85%. |
| 163906 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $29,926.38, 8.51 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 exceeds the guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 months on-time payment history exceeds the guideline required 12 month review. |
| 163221 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 706 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $7,748.60, 1.65 months. 0 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 28.12%. |
| 163910 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | XXXX | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 12-12-25 Client uploaded final HUD. | 12-12-25 Clayton reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 687 is above minimum program requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $22,420.33, 4.41 months; 3 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 56 months. |
| 163911 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 91 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.98 months of reserves in file. |
| 163919 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,817,022.26, 186.64 months, 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 747 and minimum is 700 |
| 163916 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | XXXX | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship declaration on application. | 11-20-25 Client replied: please see the upl final XXXX Client uploaded 1003. | 11-20-25 Clayton reviewed application which is still blank regarding residency status. Exception remains. 11-21-25 Clayton reviewed application with permanent resident alien and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 638 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 1.74 months reserves are above the required 0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 18 months of mortgage history is above the 12 min. |
| 166118 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.923% is below the maximum allowable of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 665 is above the required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $153,112.57, 74.39 months. 3 months required. |
| 166121 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.85 months of reserves are above the required 0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of mortgage history is above the required 1. |
| 166113 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $37416.35, 16.52 months. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 74 months mortgage history is above the 12 required. |
| 166506 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 803 is above minimum program requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; guidelines allow 70%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower only using 4% of available revolving credit. |
| 163333 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived B | XXXX | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | XXXX Other Costs, Section Prepaid, is missing number of months for Homeowners insurance. | 2/1/2019 - Client agreed to waive non-material compliance exceptions | 2/1/2019: Clayton final grade B. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for the last 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 711. |
| 163333 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Income/Employment | Satisfied B A | XXXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide verbal verification of employment dated within 10 days of the note date. VVOE in file is dated 12/13/18; the note date is XXX. | 02/08/19: Lender provided VVOE dated 01/14/19 | 02/08/19: Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for the last 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 711. |
| 164027 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 708.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in Line of Business for 7 years 2 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report,Borrower has a Good Credit history. |
| 164018 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | XXXX | 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 | 12/7/2021 - Please see the 2 attached documents for a copy of the ROR which shows that the loan could not be disbursed until XX/XX/XXXX and to see a copy of the Final CD which shows that the funds were disbursed on XX/XX/XXXX. 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 | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.10, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 39.40, max LTV 85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying credit score |
| 163983 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | XXXX | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD in missing in the File.Please provide Seller CD. | 12/1/2021 - Please see the attached document for a copy of the Seller CD12/3/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/3/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 qualifying credit score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80, max LTV 90<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 11 years at current job |
| 163983 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Property Valuations | FEMA | Satisfied C A | XXXX | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Provide verification that the property was not affected by FEMA declaration XXX date for Tropical storm XX/XX/XXXX, appraisal date XX/XX/XXXX and loan approval date XX/XX/XXXX | 12.8.2021-Clients response Please see the attached document for a copy of the Post Disaster Inspection.12.8.2021-Upon further review the Posit Disaster Inspection has been reviewed and accepted. Exception satisfied. | 12.8.2021-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 qualifying credit score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80, max LTV 90<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 11 years at current job |
| 163998 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan documents do not meet guideline requirements | No | The loan closed in XXX. Please provide the Operating Agreement, Articles of Organization and Certificate of Good Standing showing XXX and proof she has the authority to sign on behalf of the XXX | 11.19.2021 Client responded - Please see attached documents for the Business Documentation needed to clear the exception. 11.19.2021 Upon further review Client sent in all documents for XXX with proof of XXX having full authority to sign on the LLC behalf. No further action is required.Exception satisfied. | 11.19.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living at current residence for 16 years. |
| 164019 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | 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>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 164040 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 163328 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | DTI 7.17 per conditional approval, calculated DTI 14.64. Second home PITIA not included in DTI calculations | 11.17.2021-Clients response We agree that the DTI for the second home was not calculated originally. We agree that the DTI for the loan should be at 14.64. Since the DTI is still within the loan threshold we believe that this exception should be cleared. Please clear the exception as this DTI is still well within the allotted tolerance for the loan.11.17.2021-Upon further review the DTI meets guidelines for the loan program. Exception satisfied. | 11.17.2021-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying credit score<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 owns additional property with over 10% equity<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 14.64, max DTI 50 |
| 163981 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history is 0 x 30 in the last 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 17 years at current primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 exceeds minimum of 640 |
| 163696 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 54.86%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves verified in the amount of $6,235.37 which is 6.37 months of PITI. Only requires 3 months [$979.26 x 3= $2,937.78]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has worked at current job for 18 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and resided in primary residence for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.49%; guidelines allow 50%. |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Satisfied C A | XXXX | Asset Amounts Are Unsupported by Documentation in File | No | Provide source of $100,000 deposit into XXX XXXX on 1/6/25 | 3/24 Client provided an Email; on review the large deposit was withdrawn from the account the same day an not used to qualify | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Satisfied C A | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Required Reserves: $31,892.76Subject: $2,946.28 x 3 = $8,838.84XXX: $4583.30 x 3 = $13,749.90XXX: $3101.34 x 3 = $9,304.02Provide an additional funds of $31,892.76 for reserves | 3/31 Client provided an approved exception to allow the file with Gift funds on an investment property, with gift funds included Sufficient reserves are verified | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived C B | XXXX | Insufficient Funds to Close | No | Borrower is short $155,695.14 to close. Removed $210837.13 in gift funds from XXX accounts as gift funds are not allowed on Purchase of Investment. Provide an additional $155,695.14 in Borrowers own funds | 3/31 Client provided an approved exception to allow the file with Gift funds on an investment property | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required 15 years in Profession | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | XXXX | No evidence of required debt payoff | No | Provide documentation that all Federal Tax Liens are paid off | 3/31 Client provided an approved exception to allow the file without evidence the Federal tax liens are paid | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan documents do not meet guideline requirements | No | Provide documentation of XXX XXX with $16744 balance with $577/monthly payment | 3/18 Client provided credit report undisclosed debt notice with XXXX debt included | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162404 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived D B | XXXX | Missing AUS or AUS errors present | No | Missing DU | 3.26.2025 Client provided exception approval for missing AUS DU approval per guideline requirement on XXXX | Upon further review by Senior Underwriter exception is deemed non-material. Exception approved, B Grade with compensating factors credit score 748 and income documentation used is 24 months with being in profession over 15 years. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Satisfied C A | XXXX | Asset Amounts Are Unsupported by Documentation in File | No | Provide source of $100K deposit on 1/6/25 into XXX XXX | 3/24 Client provided evidence the deposit was made and withdrawn the same day | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Satisfied C A | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Required Reserves: $31,892.76Subject: $3101.34 x 3 = $9,304.02XXX $4583.30 x 3 = $13,749.90XXX: $2,946.28 x 3 = $8838.84Provide an additional $31,892.76 of assets for reserves. | 3/31 Client provided an approved exception to allow the file using gift funds on an investment property, with gift included file has sufficient reserves | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Long term employment, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived C B | XXXX | Insufficient Funds to Close | No | Short $155,695.14 funds to close. Removed gift funds as they are not allowed on Purchase of Investment | 3/31 Client provided an approved exception to allow the file using gift funds on an investment property | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Long term profession, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | XXXX | No evidence of required debt payoff | No | Provide documentation that all Federal Tax Liens are paid in full. | 3/31 Client provided an approved exception to allow the file without evidence the tax liens re paid | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan documents do not meet guideline requirements | No | Provide documentation of XXX #XXX with $16744 balance and $577/monthly payment | 3/18 Client provided a credit undisclosed dent notice verifying the balance and payment $577 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162376 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived D B | XXXX | Missing AUS or AUS errors present | No | Missing DU | 3.26.2025 Client provided exception approval for missing AUS DU approval per guideline requirement on XXXX | Upon further review by Senior Underwriter exception is deemed non-material. Exception approved, B Grade with compensating factors credit score 748 and income documentation used is 24 months with being in profession over 15 years. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 credit score |
| 162368 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived C B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide missing asset documents, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review. | 3/27 Client provided an approved exception to allow the file using cash out proceeds for assets and reserves | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 full CBR, > 40 months |
| 162368 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived D B | XXXX | Unverified Assets | No | No asset documents in file. Provide asset documents, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review. | 3/27 Client provided an approved exception to allow the file using cash out proceeds for assets and reserves | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 full CBR, > 40 months |
| 162368 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Waived D B | XXXX | Income Documentation Missing | No | Provide the following, may be subject to additional conditions upon review:1. Articles of Organization2. Bylaws3. Certificate of Good Standing4. Executed W95. EIN if applicable6. Proof of rent collections required7. Lease for Unit 3 is not executed by Borrower (as Landlord) | 3/18 Client provided 1. Articles of Organization2. Bylaws3. Certificate of Good Standing4. EIN Still Missing the following1. Executed W92. Proof of rent collections required3. Lease for Unit 3 is not executed by Borrower (as Landlord)3/27 Client provided an approved exception to allow the file without the executed lease or proof of rent collections and without W9 | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 full CBR, > 40 months |
| 162368 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | XXXX | Missing Legal Document(s) | No | File is missing Guaranty Agreement | 3/18 Client provided the executed Guaranty | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 full CBR, > 40 months |
| 162397 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | XXXX | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 credit score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers has 0x30 on previous mortgages |
| 162373 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Approved using 12 months business bank statement program. File contains only 2 months bank statements. | 5.29.2025 Client provided 2.29.2024 business bank statement for XXX XXX Bank #XXX however prior update state missing 2.28.2025 business bank statement to complete 12 months for review. Upon further review it does appear the February 2025 is not required. Condition remains for Lender Bank statement income worksheet and Business Narrative for income calculation. Note: income is from February 2024 - January 2025 upon review and calculation of income. 6/4 Client provided the income Ws and Narrative supportingt e qualifying incpme | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score; 660 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 months paid 0x30; 24 months required. |
| 162373 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | XXXX | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score; 660 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 months paid 0x30; 24 months required. |
| 162373 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Approved using 12 months business bank statement program. File contains only 2 months bank statements. | 5/23 Client provided 3/31/24 through 1/31/25 Bus bank statements for RXXX XXX Bank #XXX; Provide the 2.28.25 statement to complete 12 months for review 5.29.2025 Client provided 2.29.2024 business bank statement for XXX XXX Bank #XXX however prior update state missing 2.28.2025 business bank statement to complete 12 months for review. Upon further review it does appear the February 2025 is not required. Condition remains for (1). Lender Bank statement income worksheet and (2). Business Narrative for income calculation. Note: income is from February 2024 - January 2025 upon review and calculation of income. 6/4 Client provided the income Ws and Narrative supportingt e qualifying incpme | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score; 660 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 months paid 0x30; 24 months required. |
| 162346 | XXXXXX | MS | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | XXXX | Copy of Note in file is incomplete | No | File is missing the Prepayment Penalty Addendum to the note. | 5/8 Client provided the PPP addendum | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.27% LTV is 6.73% below the maximum allowable LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 is 65 points above the minimum required score of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 134.35 months of PITIA available in reserves; 6 months required. |
| 162346 | XXXXXX | MS | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan parameters do not meet guidelines | No | File is missing a copy of the fully executed Guaranty Agreement. | 5.6.2025 Client provided executed Guaranty Agreement signed by both Managing Members | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.27% LTV is 6.73% below the maximum allowable LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 is 65 points above the minimum required score of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 134.35 months of PITIA available in reserves; 6 months required. |
| 162346 | XXXXXX | MS | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | XXXX | Missing HOA Certificate/Questionnaire | No | File is missing lender's condo warranty certification. | 5.6.2025 Client provided completed Condo Questionnaire | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.27% LTV is 6.73% below the maximum allowable LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 is 65 points above the minimum required score of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 134.35 months of PITIA available in reserves; 6 months required. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived C B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing personal or additional business bank statements verifying at least $65,069.34 for subject and additional investment property required cash reserves. | 5.5.2025 Client provided exception approval to allow for cash out proceeds towards required reserves and to Note: both REO properties, including subject have been refinanced receiving cash out | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, credit score 776 with over 16 years at current housing and over 14 years with current XXX. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Transmittal Summary shows a primary residence PITI $9,831.76 but Final 1003 does not identify property address nor mortgage loan. Missing primary residence address and verification of mortgage or credit supplement for debt of $9,831.76 that has been included in total obligations DTI. | 5.6.2025 Client provided copy of Note, First Payment Letter supporting PITIA of $9,831.75 and estimated CD; condition remains (1). missing Final CD from this new purchase: 425 XXX and (2). updated 1003 adding this property in REO of properties owned (new purchase). CD provided is estimated Note: appears funds to close of this new purchase is coming from refinanced of two other REO properties listed on 1003. Upon further review Bulk transaction, accepting esigned initial CD and updated 1003 not needed however is noted on 1008 of this new purchase: XXX and included in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | DTI | Satisfied D A | XXXX | Missing verification of some or all components of non-subject PITI | No | Credit Report only verifies the P & I for the property location XXX. Missing verification of Insurance, Taxes, and HOA for XXX. Total amount not to exceed $2,670. | 5.6.2025 Client provided executed HUD-1, copy of Note and First Payment Letter for refinanced property simultaneously with subject (investment previously primary) cash out refinance, refinanced cash out property XXX supporting PITIA payment of $7,364.86 (as reflected on Final 1003) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Waived C B | XXXX | Legal Documents Are Executed by an Entity or Non- Natural Person | No | Program guidelines indicate LLCs are ineligible Borrowers. Missing exception allowing XXX as an eligible borrower. | 5.5.2025 Client provided exception approval to allow LLC, per guidelines ineligible Borrower LLC | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, credit score 776 with over 16 years at current housing and over 14 years with current XXX. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived C B | XXXX | LTV Exceeds Guideline Requirement by 10% or more | No | Missing Exception allowing Alternate Documents Investor Cash Out Refinance with an LTV 80%. | 5.5.2025 Client provided exception approval for LTV of 80% exceeds guidelines maximum for Cash out Investment | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, credit score 776 with over 16 years at current housing and over 14 years with current XXX. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 5.5.2025 Client provided executed Guaranty Agreement, 100% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162332 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | XXXX | Loan documents do not meet guideline requirements | No | Missing Bank Statement Alternative Documentation: 1) Business License for XXX. 2) Business Certificate file with a governmental agency for XXX 3) A Business Narrative including detailed explanation of business profile; number of employees; does business involve sales of goods or just services? If goods, provide estimated cost of goods and types of good sold. | 5.6.2025 Client provided exception approval for missing, Business License and Business Certificate and missing Business Narrative executed by borrower regarding business info | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, credit score 776 with over 16 years at current housing and over 14 years with current XXX. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.84% DTI below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 162384 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | RESPA | Waived B | XXXX | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 05/09/25 Client provided an approved exception for the missing HC List (Tracking shows delivery on 2/28). | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX with current business since 8/17/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 70 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 47.01 months of PITI available in reserves; 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 8.69% DTI is below the maximum allowed DTI of 43%. |
| 162384 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | XXXX | TRID - CD: Ten percent 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 | Ten percent tolerance in amount of $427.70 due to added or increased Title fee with no COC in file to support it. Unable to identify if borrower selected title company from Service Provider's List or not as SPL is missing in file. All title fees including Recording fee are tested for 10% violation. Condition is pending receiving a valid Change of Circumstances/ SPL or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/12/25 Client provided the missing SPL. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX with current business since 8/17/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 70 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 47.01 months of PITI available in reserves; 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 8.69% DTI is below the maximum allowed DTI of 43%. |
| 162384 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Credit | Terms/Guidelines | Waived C B | XXXX | Loan documents do not meet guideline requirements | No | 1) File is missing CPA or borrower prepared and signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or contractors) and scope of the business.2) File is missing 3rd party evidence verifying business is in good standing. | 5.9.2025 Client provided exception approval for missing Lender Business Narrative and missing 3rd party (SOS) evidence verifying business in good standing with file having a business listing with description of business, year founded, revenue info, # of employees etc. and did an independently pull of SOS for business reflecting active (post close) | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score 750 and low DTI of 8.69% | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX with current business since 8/17/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 70 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 47.01 months of PITI available in reserves; 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 8.69% DTI is below the maximum allowed DTI of 43%. |
| 162384 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Credit | Terms/Guidelines | Waived C B | XXXX | Loan parameters do not meet guidelines | No | Minimum contribution requirement of 5% from borrowers' own funds not met. Gift funds were used for the down payment/closing costs requirement and LTV is > 80%. | 5.9.2025 Client provided exception approval for own 5% into transaction not met with LTV > 80%. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score 750 and low DTI of 8.69% | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX with current business since 8/17/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 70 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 47.01 months of PITI available in reserves; 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 8.69% DTI is below the maximum allowed DTI of 43%. |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | XXXX | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | XXXX | 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 | Zero tolerance in the amount of $205.00 as CDA was added to CD XX/XX/XXXX without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/24/25 Client provided a XX/XX/XXXX validating the CDA fee addition (CU Score 4 - UCDP in file dated 5/12). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Application | Satisfied A | XXXX | Application is incomplete | No | Business is Truck Parking (1). Borrower to explain more in detail what business does to support services rendered deposits that is being deposited into business account as ACH Origination and (2). Income worksheet missing borrower monthly income, provide updated worksheetMaybe subject to additional documentation | 5.27.2025 Client provided unsigned LOX from borrower explaining XXX and what business does to support services rendered ACH deposits and provided copy of requested checks and one invoice that goes with total check $24,350 deposit and $34,350 invoice/for April 2025 however statements are through March 2025 (which shows breakdown of XXX business or personal recipient Name and Recipient ID location of where recipient is parking their truck and amount that was billed for that location. Condition remains for updated income worksheet reflecting borrower stated monthly income, currently not reflected/provided at initial review. 5.28.2025 Client provided updated income worksheet reflecting borrower stated monthly income of $22,708 and provided borrower LOX regarding business XXX and how income is derived for the business, will need to provide executed LOX in closed file. Income of $22,708 supported to be used for transaction | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Satisfied C A | XXXX | Assets Are Unreasonable | No | Large deposit of $150,000 came from Business account w/XXX Bank #XXXMissing evidence of whom owners are for this business: XXX (pg 206), large deposit of $150k was deposited into XXXX (personal #) and this account reflect the EMD of $24,500 clearing after this large deposit and the balance is being used for #XXXX towards transaction | 6/17 Client provided evidence Borrower owns the Business account | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Satisfied C A | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves are met with giving EMD credit of $24,500 however missing copy of EMD check #XXX to verify this is EMD; reflected on bank statement as clearing however missing copy of check. | 6/17 Client provided evidence Borrower owns the Business account and validating the deposit | SAtisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Waived B | XXXX | Asset Amounts Are Unsupported by Documentation in File | No | Borrower own 5% ($61250) not met into transaction with gift of $351,225 given Waiver not applied, outstanding conditions on file | 6/25 Client provided an approved exception to allow the file without meeting 5% own funds (gift) | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Satisfied C A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Subject Purchase Contract states (pg 325) Contingent on Sale of Buyers Property: XXX however appears this home did not sell but this home appears to have went through a refinance per Note in file (pg 50), Note in file for this property reflect w/XXX and reflect borrower and spouse signed on this new Note with no monthly payment. (1). Need to clarify what type of transaction this sale of buyers property went through, previously was in NPSpouse name and now borrower and Spouse signed the Note (pg 50), unclear what type of transaction this was, the funds that was given from this transaction was given to our borrower for Purchase of subject property and (2) unable to determine if taxes/insurance should be included in DTI if borrower and spouse signed the Note as of XX/XX/XXXX; borrower is now on Note of this property and is responsible for taxes/insurance. Subject to additional documentation and adjustment to DTI | 6/23 Client provided an executed Offer from Servicing management company XXX and the executed agreement with terms of contract; | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Income/Employment | Satisfied A | XXXX | Income docs do not meet guidelines | No | Income not supported additional documentation needed to support these seven (7) deposits are for services rendered: February $7,500 January $18,500 December $18,500 November $18,500 and $17,500 and appears the $17,500 shows as deposited item returned unpaid (under debits) October $13,500 September $18,500 | 5.27.2025 Client provided unsigned LOX from borrower explaining XXX and what business does to support services rendered ACH deposits and provided copy of requested checks and two invoices that goes with total check $24,350 deposit and $34,350 invoice (which shows breakdown of XXX business or personal recipient Name and Recipient ID location of where recipient is parking their truck and amount that was billed for that location. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Income/Employment | Satisfied A | XXXX | Income Documentation Missing | No | Business Narrative says Mortgage payment $17,000; borrower to clarify whom pay the $17k and what business address this mortgage payment is for? no evidence of mortgage payment coming out of business account. Address: 3XXX says Land for Rent Maybe subject to additional documentation | 5.27.2025 Client provided borrower unsigned LOX regarding Mortgage payment of $17k that was reflected on business narrative, will need LOX signed in closed file. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Income/Employment | Satisfied B A | XXXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE is in file (pg 91) however missing documentation used to verify existence of business. CPA Letter in file (pg 344) however is over 30 days | 6/17 Client provided a 6/16 PC dated VOE file also has prior to close un dated and expired VOEs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162388 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Title | Satisfied C A | XXXX | Potential title issue | No | 1. Title reflect a notice of trustee's sale recorded XX/XX/XXXX; provide LOX from borrower if any relationship with sellers and how do they know the seller and if NPSpouse have any relations with seller. 2. Explanation regarding reason for quit claim deed from NPSouse to our Borrower at closing (in file pg 388, 453) Purchase transaction | 6/23 Client provided LOX for Quit claim, and the Note and Buy out Offer from the Lender XXX dated XX/XX/XXXX ; Condition remains for the notice of trustee's sale recorded XX XX, 2025 prior to the buy out with XXXX; 6/25 Client provided letter from Borrower indicating no relationship to seller | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines |
| 162331 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Waived B | XXXX | Credit score below guidelines | No | 692 qual score is below the 720 minimum for DSCR >=.80% but <1.00% with a 65% LTV max due to 5% reduction on 70% max for c/o on unleased properties. | 5.14.2025 Client provided exception approval for fico score of 692 is below the 720 minimum for DSCR >=.80% but <1.00% with a 65% LTV max due to 5% reduction on 70% max for c/o on unleased properties. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $335,226.65 reserves from cash out; $3274.57\*6= $19,647.42 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50mo. 0x30 mortgage payment history; 1x30x12 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.25% LTV; max 65%. |
| 162331 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Income/Employment | Waived C B | XXXX | Income docs do not meet guidelines | No | DSCR calculation on $3300/month market rents per 1007\*80% for short term rental results in 0.8062% ($2640/$3274.57) is less than the 1.00% minimum. | 5.14.2025 Client provided exception approval for short term rental result in 0.086% is less than 1.00% minimum | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, low LTV 56.25% (Max 65%) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $335,226.65 reserves from cash out; $3274.57\*6= $19,647.42 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50mo. 0x30 mortgage payment history; 1x30x12 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.25% LTV; max 65%. |
| 162331 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan parameters do not meet guidelines | No | Missing a copy of executed Guaranty Agreement | 5.14.2025 Client provided executed Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $335,226.65 reserves from cash out; $3274.57\*6= $19,647.42 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50mo. 0x30 mortgage payment history; 1x30x12 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.25% LTV; max 65%. |
| 162414 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | XXXX | Missing Hazard Insurance | No | File is missing the Hazard insurance policy with sufficient coverage | 5/29 Client provided the insurance with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified for reserves $50,766.15or 20 months PITI and 12 months required for FT investors<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for 27 months mortgage history |
| 162414 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | XXXX | Loan parameters do not meet guidelines | No | Missing the executed personal guarantor form for both Guarantors . | 5.22.2025 Client provided executed Personal Guaranty Agreement executed by both guarantors. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified for reserves $50,766.15or 20 months PITI and 12 months required for FT investors<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for 27 months mortgage history |
| 162366 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender QM status | 6/12 Client provided determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 790 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 26 years 8 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines, 62 months |
| 162366 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied A | XXXX | Income Documentation Missing | No | Explanation needed for file from Borrower regarding business name: XXX and business website XXX. Clarification, is this two separate businesses or one of the same, and Business Narrative says two locations however XXX is residental (per XXX review) Explanation from borrower regarding clarification of business name (one of same, etc) and other location XXX as residential. | 5.21.2025 Client provided signed LOX from borrower regarding clarification of XXX address as corporate address and clarifying not two separate businesses. Income total of $17,221.53 supported to be used for transaction ($8,438.55 and $8,782.98) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 790 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 26 years 8 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines, 62 months |
| 162366 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | XXXX | Verbal verification of employment missing | No | Missing 3rd party VVOE for XXX employment and to verify XXX% total XXX(between B1/B2) | 6/16 Client provided a XXX VOE; Still need evidence of XXX% XXX for B1 and B2 6/19 Client provided an Email from CPA indicating XXX% combined XXX between B1 and B2 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 790 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 26 years 8 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines, 62 months |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | 06/26/25 Client provided missing Mavent. Loan is Non-QM and Mavent reflects Safe Harbor. Mavent reflects ATR Exempt with no QM testing. Provide updated Mavent. | 7.31.2025 Client provided Lender updated 1008 with Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | RESPA | Satisfied B A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling 10 organizations not in file | 06/25/25 Client provided the full HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | XXXX | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | XXXX | TRID - CD: Ten percent 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 | Ten percent tolerance in amount of $1938.10 due to added/ increased Title fees with no COC in file to support it. Borrower selected Title Provider from SPL therefore all title fees along with Recording fee are testing for tolerance violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/25/25 Client provided a copy of the SPL and an Email Response from the Seller that states the payee listed for those final fees were for XXXX as those specific fees weren't paid out to that provider, it would not be subject to the fee tolerance. Upon review by internal Compliance counsel, condition remains. As the provider chosen by the borrower was listed as a provider on the SPL form, it's reasonable to assume the borrower thought they were choosing the provider from the list. For further review, provide supporting documentation that the borrower was able to shop (Lender Attestation, etc.).07/03/25 Client provided a XX/XX/XXXX with cure, LOE $1,938.10 refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.07/08/25 Client provided the delivery confirmation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | File is missing documentation that shows the QM status determination. | 06/26/25 Client provided the missing Mavent. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Assets | Waived C B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of $32,275.62 or 4 months PITI; $48,395.94 or 6 months required per guidelines. | 6/25 Client provided an Email that " Please see attached screenshot from guidelines reflecting that we should only need 3 months reserves due to no mortgage existing on additional property." Upon review, while no additional reserves are required for additional non financed REOs; LTVs between 65 and 85 require 6 months reserves for subject; condition remains 7.8.2025 Client provided exception approval to allow for 4 months reserves vs 6 months, which 6 months is required per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Credit score 713 and DTI 38.81% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.81% DTI; 50% max allowed. |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | 7/8 Client provided a QM PASS = SH APOR; DD determination is is NON QM (file is 1099 only) | 7/31 Client provided a 1008 with NON QM determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | RESPA | Satisfied B A | XXXX | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 08/31/2025 Client provided a signed attestation that the Lender does not have Affiliated Businesses and no Affiliate Business was used for this loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | XXXX | TRID - Seller CD not in file; need in order to complete fee entry | No | None of seller-paid fee(s) were disclosed on Final CD XX/XX/XXXX. File is missing Seller CD/Final ALTA Settlement Statement. | 07/212025 Client provided missing Seller CD needed for testing. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender QM or Non QM status Currently loan is Non QM due to exceeding 3% points/fees | 7/8 Client provided a QM PASS = SH APOR; DD determination is is NON QM (file is 1099 only) | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Assets | Waived B | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months reserves required or $22,008.96 Verified reserves 5.23 months or $19,185.22; short $2,823.74 | 7/8 client provided an approved exception to allow the file with 5.23 months reserves when 6 months is required | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | XXXX | Credit score below guidelines | No | Credit score 686 below guidelinesP&L Only require minimum score of 700 | 8.1.2025 Client provided exception approval for fico score 686 below guidelines requirement of 700 for P&L Only | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | XXXX | Length of mortgage/rental history in file does not meet guideline requirement | No | (1). Missing satisfactory current housing rental payment history for most recent 12 months (currently renting for past 3 years) (2). Borrower is purchasing subject on same street where currently renting, verify notice to vacate have been given to Landlord to occupy subject within acceptable time frame as Primary. | 7/30 Client provided an approved exception to allow the file with the VOR and notice to vacate | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | XXXX | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines does not meet guideline requirementsPer guidelines: Two tradelines must be open for twenty-four (24) months and active within the most recent twelve (12) months OR Three (3) Tradelines reporting twelve (12) months recent activity (both requirements not met) | 7/30 Client provided an approved exception to allow the file without the min tradelines | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Satisfied B A | XXXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party or CPA Letter verifying self employment dated within 30 days of Note | 7/8 Client provided a CPA VVOE 4/7 | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162385 | XXXXXX | FL | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Missing evidence of current active license or certification (for CPA, tax preparer) as required per Guidelines: Third party must have prepared the borrowers most recent filed returns (reflected on Lender form pg 152) ANDMust provide current/active license or certification-no exceptions (not met) Documentation provided in file (pg 230) don't reflect verification of current active/license or certification | 7/8 Client provided the PTIN cert and verification prepared Borrowers taxes | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00% below guideline requirements. Max LTV 80% |
| 162364 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | XXXX | Natural Disaster Area, Subseq inspect prior to Disaster (Individual) | No | Client provided PDI dated XX/XX/XXXX with no damage for FEMA disaster XXX dated XX/XX/XXXX | (No Data) | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qualifying credit score used per 6/19/25 CBR in file. 740 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 97 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 92 month of 0x30 consumer credit history per CBR. |
| 162349 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied D A | XXXX | Income Documentation Missing | No | Per guidelines, provide:Articles of Organization, partnership agreement and bylaws for XXX, a Texas limited liability companyMay be subject to additional conditions upon review | 8.12.2025 Client provided Attorney Opinion Letter along with SOS and Operating Agreement for Member and signed w9 for Business XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: 782 qualifying score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 + years at primary residence |
| 162349 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | XXXX | LTV Exceeds Guideline Requirement by less than 5% | No | Max LTV is 75%. Qualifying LTV is 75.57%, due to being listed for sale in last 3 months.Per guidelines:Sale Restriction: Property must be removed from listing for at least one month prior to application (met). Propertys lendable value will be based on the lower of list price (used by Clayton) or appraised value when listed within the last 3 months by current owner. | 8/20 Client provided an approved exception to allow the file with a 75.57 LTV | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: 782 qualifying score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 + years at primary residence |
| 162349 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Title | Satisfied C A | XXXX | Potential title issue | No | Per title:Title Company received a request/order showing (Guarantor) as seller/owner. However, titlecompany finds title to be vested in XXX, a Texas limited liability company. Title Companyrequires documentation as to how XXX came to be in title to the subject property. TitleCompany reserves the right to make further requirements after review of said documentation | 8.12.2025 Client provided an LOX stating Borrower is the sole member of XXX. Title order from LP was in the name of borrower but loan vested in the entity. Response, initial condition is stemming from Title, per Title in file #10 title company states what the initial condition is stating, condition remains for clearance of #10 on Title.8/20 Client provided updated Title with #10 removed | Condition satisfied | (No Data) | Not Applicable | CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: 782 qualifying score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 + years at primary residence |
| 162349 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | XXXX | Comp Photos Unacceptable | No | Provide missing comp photos. May be subject to additional conditions upon review. | 8.12.2025 Client provided appears to be duplicate appraisal in file however comparable in appraisal goes with the Comparable Rent Schedule 1007 (that is included in the appraisal) however appraisal is missing the three comparable (XXX, XXX. and XXX.), condition remains for full complete appraisal with all comparable. Note: Location Map in appraisal have 3 comps and 3 rental comps, appraisal provided only have 3 rental comps. 8.12.2025 Client provided updated corrected copy of complete appraisal with all comparable photos for subject and rent schedule | Condition satisfied | (No Data) | Not Applicable | CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: 782 qualifying score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 + years at primary residence |
| 162411 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | XXXX | Credit report date greater than transaction date | No | Credit Report Dated 5/7/24Note Dated XXX | 9/11 Client provided a 1/25/24 credit report | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of Good credit with 0 Late Payments > 24 Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 96 Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $273,255 or 113.72 months of PITIAGuidelines require 6 months or $2,402 X 6 = $14,412 |
| 162411 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | XXXX | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Natural Disaster Area, Subseq inspect prior to Disaster | 9/15 Client provided a Post disaster inspection dated XX/XX/XXXX showing no damage since the FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of Good credit with 0 Late Payments > 24 Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 96 Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $273,255 or 113.72 months of PITIAGuidelines require 6 months or $2,402 X 6 = $14,412 |
| 162358 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score; 700 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.97% DTI; 55% max allowed. |
| 162321 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | \* Missing XXX XXX May 2024 Bank Statement has not been uploaded by the Lender. \*Missing Mortgage Statement, Taxes, Insurance and HOA for property located at XXX for Total PITIA for $2130.00 per month. | 7.30.2025 Client responded - the income was provided from june 2024-april 2025 were you asking for the may 2025 statment?7.30.2025 UW asked for the May 2024 due to this being used on the Income worksheet. Need to verify the deposits used. Exception remains8.6.2025-Received all bank statements; exception is satisfied. | 7.30.2025 Exception remains8.6.2025 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.78% is below the minimum program requirement of 50% up to 85% LTV. |
| 162321 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | XXXX | 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 | $104 zero tolerance due to increase Origination fees from $7300 to $7404 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 7.29.25-Client provided COC, please include loan num (listed on tab of LOS) included in screenshot with COC.7.31.25-Client provided COC , Satisfied. | 7.31.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.78% is below the minimum program requirement of 50% up to 85% LTV. |
| 162321 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Credit | DTI | Satisfied D A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing Mortgage Statement, Taxes, Insurance and HOA for property located at XXX for Total PITIA for $2130.00 per month. | 7.30.2025 Client responded - please find the print outs for property review.7.30.2025 Please upload the print outs for property tazxes. Did not receive8.1.2025 Client responded - taxes print out, 8.1.2025 Client provided the tax printout. Missing XXX mortgage statement, Insurance and HOA. Exception remains 8.6.2025-Client's response: August 1st 2025, 6:41:38 pmPlease find credit sup that shows XXX, ins with invoice from initial closing, and page 1 from appraisal showing hoa at XXXX.6.2025-Received the Mortgage Supplement, taxes, insurance, hoa, exception is satisfied. | 7.30.2025 Exception remains8.1.2025 Exception remains8.6.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.78% is below the minimum program requirement of 50% up to 85% LTV. |
| 162321 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Missing XXX XXX May 2024 Bank Statement has not been uploaded by the Lender. | 7.30.2025 Client responded - did you need may 2025 stmt as the income uploaded7.30.2025 Please upload the May 2025 for review. 8.06.2025-Client's response: July 31st 2025, 6:10:59 pmOk I think I see what happened the date is May but the statement date is 6/1 but all the deposits are showing in May so the system showed it as transactions in May.8.06.2025-Clayton's response: Received all bank statements; exception is satisfied. | 7.30.2025 Exception remains8.06.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.78% is below the minimum program requirement of 50% up to 85% LTV. |
| 162321 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Property Valuations | Appraisal | Satisfied D A | XXXX | Missing updated valuation | No | CU score is 5.0. Missing updated valuation review. | 7.30.2025 Client responded - please find the DVR for review.7.30.2025 Client provided Desk Review supporting the value. Exception satisfied | 7.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.78% is below the minimum program requirement of 50% up to 85% LTV. |
| 162322 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Bank Statement Program and No Bank Statements are in file to Calculate Income | 7.22.25 Bank statements provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 121 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 96+ Months reporting |
| 162322 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | RESPA | Satisfied B A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations. | 7.24.25-Client provided initial credit package including homeowners counseling list issued 6/16/25. Satisfied. | 7.24.25- Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 121 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 96+ Months reporting |
| 162322 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | XXXX | TRID - Loan Estimate not timely | No | Please provide initial LE dated within 3 days of application dated XX/XX/XXXX | 7.24.25-Client provided initial credit package including initial LE issued XX/XX/XXXX. Satisfied. | 7.24.25- Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 121 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 96+ Months reporting |
| 162322 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Bank Statement Program and No Bank Statements are in file to Calculate Income | 7.22.25 Bank statements provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 121 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 96+ Months reporting |
| 162323 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide 12 months bank statements for income calculation. | 7.23.25 Bank statements provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Brwr has been at current job for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is 15 points below minimum LTV of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The client has 117 months PITIA reserves and over 800k post-close assets |
| 162323 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | XXXX | Length of mortgage/rental history in file does not meet guideline requirement | No | 12 months canceled checks for the rent paid to XXX. | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Brwr has been at current job for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is 15 points below minimum LTV of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The client has 117 months PITIA reserves and over 800k post-close assets |
| 162323 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Provide 12 months bank statements for income calculation. | 7.23.25 Bank statements provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Brwr has been at current job for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is 15 points below minimum LTV of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The client has 117 months PITIA reserves and over 800k post-close assets |
| 162336 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing business bank statements fromXXX #XXX for the months of June 2024-February 2025 supporting income of $12,087.37 used to qualify | 7.22.25 Bank statements provided, please clear finding.7.22.25 exception satisfied | 7.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3,906.20 X 6 = $23,437.20. Verified post cls reserves $126,284.25 or 32.32 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 768, minimum required by G/L is 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 6 years |
| 162336 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Missing business bank statements from XXX #XXX for the months of June 2024-February 2025 supporting income of $12,087.37 used to qualify | 7.22.25 Bank statements provided, please clear finding.7.22.25 exception satisfied | 7.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3,906.20 X 6 = $23,437.20. Verified post cls reserves $126,284.25 or 32.32 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 768, minimum required by G/L is 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 6 years |
| 162374 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 12 months business bank statements for XXX 12 month deposits evidence. Only 5 months in file. | 7.17.25 Requested bank statements provided, please clear finding.7.21.25 exception satisfied | 7.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 Credit score exceeds guidelines of 660 min per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $70,255.89 or 24.72 months PITIA exceed $0.00 required per program. |
| 162374 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | XXXX | Income verification does not meet guidelines | No | Missing 12 months business bank statements for XXX 12 month deposits evidence. Only 5 months in file. | 7.17.25 Requested bank statements provided, please clear finding.7.21.25 exception satisfied | 7.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 Credit score exceeds guidelines of 660 min per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $70,255.89 or 24.72 months PITIA exceed $0.00 required per program. |
| 162365 | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Legal Documents | Waived B | XXXX | Missing Legal Document(s) | No | Missing rent free letter | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $147,018.98, or 52.82 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.79% is below guideline maximum of 80% for a DSCR purchase with a 708 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with a history from 6/2015. |
| 162324 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 qualifying score exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $28,302.47 reserves in file or 13.38 months PITI > required guidelines |
| 162353 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 162407 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | XXXX | Missing Required Income Documentation | No | Missing subject market rent | 7.25.25 Market rent information provided, please clear finding.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $265,044.05, or 74.08 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 75% for a DSCR with a ratio < 1.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 819 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00. |
| 162407 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | XXXX | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 7.25.25 Final settlement statement provided, please clear finding.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $265,044.05, or 74.08 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 75% for a DSCR with a ratio < 1.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 819 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00. |
| 162320 | XXXXXX | OK | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | XXXX | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require 3 trade lines for more than 12 or 2 trade lines reporting for more than 24 months with activity in the past 12 months.. | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs 6 mos at current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 105 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 162347 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 751 exceeds the minimum of 720<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7% of revolving credit utilized<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.85% is below the maximum of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $87011.40, 12.35 months reserves, 12 months required |
| 162355 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | XXXX | Hazard Insurance documentation in file is incomplete | No | Missing evidence of primary hazard insurance with XXXX with premium of $3,883. | 9-3-25 Client replied: HOI is through XXX. All documentation was provided. Please clear or advise where you are seeing XXX Reuploaded HOI.9-5-25 Client replied: Our team has confirmed only HOI policy is the XXX plan, XXX was not used. Uploaded corrected 1003 with supplemental property insurance removed. | 9-5-25 Sent email with copy of email and responded:Below is where we discovered the additional hazard insurance coverage in the file. Its the page before the XXX and it is also shown in the PITI on the application. Exception remains. 9-8-25 Clayton reviewed comments and updated 1003. Updated Insurance and premium to reflect XXX as only HOI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not required for LTV<= 75% . Borrower has verified assets totaling $12,154.04<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is 20 points higher then the min credit score of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%. |
| 162338 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied D A | XXXX | Missing disclosure | No | Mortgage in file is dated and signed XX/XX/XXXX. Only CDs in file are dated XX/XX/XXXX and XX/XX/XXXX but not signed. Missing the final CD, please provide. Final HUD dated XX/XX/XXXX in file. | 7.17.25-Client provided CD issued XX/XX/XXXX. Satisfied. | 7.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO:&nbsp;&nbsp;&nbsp;&nbsp; Credit score of 733 is above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves: $121,119.28, 21.48 months 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 9.63% is below the guideline maximum of 43%. |
| 162338 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Repayment Ability | Waived B | XXXX | File does not contain a repayment ability worksheet | No | Please provide a Repayment Ability Worksheet. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO:&nbsp;&nbsp;&nbsp;&nbsp; Credit score of 733 is above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves: $121,119.28, 21.48 months 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 9.63% is below the guideline maximum of 43%. |
| 162327 | XXXXXX | LA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | XXXX | Copy of Mortgage/Deed in file is incomplete | No | Provide complete mortgage including date on document. | 8.29.25 Copy of DOT w/date uploaded8.29.25 exception satisfied | 8.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 775 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 8.01 months reserves is greater than the 0 required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 9%. |
| 162341 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 680 is 20 points above minimum program requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have1x30x57 months mortgage payment history which exceeds guidelines of 1x30x12. |
| 162390 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on mortgages in past 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 720 and minimum is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $52,178.14, 8.84 months; no reserves required. |
| 162342 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: $19,527.00 (5.13 months PITIA reserves) > min required of $0.00<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower (Guarantor) has owned primary residence for 5 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x23 months > max permitted of 1x30 x12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low usage of available revolving credit lines @ 15.14% |
| 162391 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 above 700 minimum program requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $13,985.92, 3.09 months. 0 month required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 90 months exceeds the required 12 months. |
| 162356 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 719 FIO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 58.61 months reserves is greater than the 0 required. |
| 162400 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.87 months of reserves in file. |
| 162379 | XXXXXX | AR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived B | XXXX | Income docs do not meet guidelines | No | Business Bank statements support 7 NSF's in the last 12 months with 2 of them occurring in the first 3 months. Per Guidelines 1.7.6.3, if there is 1 or more occurrences in the most recent three months time period, up to 3 occurrences are allowed in the most recent 12 months. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 41.28 months cash reserves/3 months required, LTV 65%/70% max, Credit score 629/620 minimum, and 7.45% DTI/50% max. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% is below the maximum 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 629 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.45% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $186465.78, 41.28 months reserves, 3 months required |
| 162351 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 664 is 4 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.75%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.32% is below the guideline minimum of 50%. |
| 162337 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Waived B | XXXX | Application is incomplete | No | Missing Documented improvements to subject property as Cash out guidelines state "For properties owned greater than 6 months but less than 12 months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements." (Sec 1.4.1.3)Property was purchased XX/XX/XXXX for $XXXX. Appraised value is $XXXX.Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 749/700 minimum, 51.9 months cash reserves/6 months required and 9 years at current residence. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 9 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 749 above guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 51.90 months of verified reserves exceeds guideline requirement of 6 months. |
| 162345 | XXXXXX | NY | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | XXXX | Number of mortgaged properties exceeds guideline limit | No | Max number of properties is 4 to the same borrower per g/l. Clayton deems exception non material / non fatal to the final lending decision. Grade =2/b. Experienced investor.. 0 Mtg lates. Subject R/T. Loan #XXX ;cash out with 60+ months reserves | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% consumer credit utilization in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 past 24 months housing history |
| 162357 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 730 is 30 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $85,655.27/15.04 PITIA, none required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence. |
| 162401 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | XXXX | Ownership seasoning does not meet minimum per guidelines | No | Subject transaction is a Delayed Purchase. Client guidelines require minimum 3 months ownership of property. Borrower purchased the subject property on XX/XX/XXXX which does not meet the minimum 3-month requirement. An approved exception request was provided in the file. | 9/8 Client provided an approved exception to allow the file with delayed purchase finance and ownership of property is less than 3 months | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 is 93 points above the minimum required score of 700. |
| 163214 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 is 77 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $185,155.14/71.91 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 13% of available revolving credit. |
| 163240 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 31.81 months reserves is below the 0 required. |
| 163186 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 806 exceeds the guideline minimum of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are using 4% of the available revolving debt limit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $7,731.48, 3.22 months. No reserves are required. |
| 163195 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the 1 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.74 months of reserves are above the 0 required. |
| 163165 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $48393.04, 25.85 months. 0 months required. |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *133* |
| ***Loans with Conditions:*** | *65* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 164315 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164316 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 163917 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 163946 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163263 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 164109 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164318 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164319 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164320 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 164321 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164322 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 164064 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 163190 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163230 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163941 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164063 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163920 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 163177 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163168 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 163206 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 163198 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 163175 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 163187 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163904 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163915 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 163194 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163213 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163166 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163901 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163229 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163185 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 163224 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163932 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163170 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 163222 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163241 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163234 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163200 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163936 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 163928 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Yes |
| 163909 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163903 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163202 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163918 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163208 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164067 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163902 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 163935 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163233 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163210 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163219 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 163938 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 163235 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163220 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163184 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166114 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164071 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 163193 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 163236 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 163927 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163243 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163930 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163907 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163926 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163906 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163221 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163910 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 163911 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163919 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 163916 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166118 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 166121 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166113 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166506 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163333 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 164027 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164018 | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 163983 | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| 163998 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 164019 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164040 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 163328 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 163981 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163696 | XXXXXX | XXXXXX A | A | A | A | A | (No Data) |
| 162404 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 162376 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 162368 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 162397 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 162373 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 162346 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 162332 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 162384 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 162388 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 162331 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 162414 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 162366 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 162348 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 162385 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 162364 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 162349 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 162411 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 162358 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 162321 | XXXXXX | XXXXXX D B A | D | B D A | D | B | No |
| 162322 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 162323 | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 162336 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 162374 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 162365 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 162324 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162353 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162407 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 162320 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 162347 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 162355 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 162338 | XXXXXX | XXXXXX D B A | D | B D A | D | B | No |
| 162327 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 162341 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 162390 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 162342 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162391 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 162356 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162400 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162379 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 162351 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 162337 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 162345 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 162357 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162401 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 163214 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 163240 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163186 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163195 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 163165 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *126* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 164315 | XXXXXX | Cash Reserves | 607867.1000 | 550935.76 |
| 164315 | XXXXXX | Combined LTV | 74.7100 | 80 |
| 164315 | XXXXXX | Months Reserves | 69.0000 | 62.4 |
| 164315 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 164315 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164316 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 164316 | XXXXXX | Cash Reserves | 194313.1200 | 39092.43 |
| 164316 | XXXXXX | Debt to Income Ratio (Back) | 27.9910 | 38.5825 |
| 164316 | XXXXXX | Months Reserves | 19.0000 | 13.04 |
| 164316 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164316 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 163946 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163263 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 163263 | XXXXXX | Representative Credit Score for Grading | 719 | 721 |
| 163263 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164109 | XXXXXX | Cash Reserves | 101506.7200 | 15231.91 |
| 164109 | XXXXXX | Months Reserves | 109.0000 | 8.98 |
| 164109 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164318 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 164319 | XXXXXX | Cash Reserves | 196251.0200 | 83201.62 |
| 164319 | XXXXXX | Months Reserves | 10.0000 | 9.73 |
| 164319 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164320 | XXXXXX | Cash Reserves | 57075.7600 | 273784.68 |
| 164320 | XXXXXX | Months Reserves | 140.0000 | 140.24 |
| 164320 | XXXXXX | Property Type | SFR | SFR-Attached |
| 164322 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 164322 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 164064 | XXXXXX | Cash Reserves | 70505.0300 | 101301.64 |
| 164064 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 164064 | XXXXXX | Months Reserves | 36.0000 | 27.04 |
| 164064 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163190 | XXXXXX | Cash Reserves | 112676.0200 | 65923.45 |
| 163190 | XXXXXX | Months Reserves | 74.0000 | 24.22 |
| 163190 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163230 | XXXXXX | Cash Reserves | 156097.7800 | 13355.7 |
| 163230 | XXXXXX | Months Reserves | 3.0000 | 3.01 |
| 163230 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163941 | XXXXXX | Cash Reserves | 111353.9600 | 66299.88 |
| 163941 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163941 | XXXXXX | Months Reserves | 50.0000 | 8.51 |
| 163941 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164063 | XXXXXX | Cash Reserves | 473651.7300 | 35538.06 |
| 164063 | XXXXXX | Months Reserves | 204.0000 | 15.26 |
| 164063 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163920 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 163920 | XXXXXX | Property Type | SFR | SFR-Attached |
| 163920 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163177 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163168 | XXXXXX | Cash Reserves | 178668.1800 | 111465.64 |
| 163168 | XXXXXX | Months Reserves | 13.0000 | 13.24 |
| 163168 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163206 | XXXXXX | Cash Reserves | 183192.6200 | 19456.59 |
| 163206 | XXXXXX | Months Reserves | 2.0000 | 4.63 |
| 163206 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163198 | XXXXXX | Cash Reserves | 247540.7600 | 32163.27 |
| 163198 | XXXXXX | Combined LTV | 80.9500 | 85 |
| 163198 | XXXXXX | Months Reserves | 58.0000 | 4.02 |
| 163198 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163175 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163175 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163187 | XXXXXX | Cash Reserves | 200110.9300 | 21916.69 |
| 163187 | XXXXXX | Combined LTV | 60.8900 | 75 |
| 163187 | XXXXXX | Months Reserves | 6.0000 | 5.56 |
| 163187 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163904 | XXXXXX | Cash Reserves | 53265.8400 | 28932.53 |
| 163904 | XXXXXX | Months Reserves | 26.0000 | 25.7 |
| 163904 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163915 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163194 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 163194 | XXXXXX | Cash Reserves | 115370.3500 | 66695.4 |
| 163194 | XXXXXX | Combined LTV | 82.0200 | 85 |
| 163194 | XXXXXX | Months Reserves | 33.0000 | 33.11 |
| 163194 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163213 | XXXXXX | Cash Reserves | 108626.4000 | 47726.4 |
| 163213 | XXXXXX | Combined LTV | 87.0000 | 90 |
| 163213 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163213 | XXXXXX | Months Reserves | 15.0000 | 6.41 |
| 163166 | XXXXXX | Cash Reserves | 168110.0800 | 14105 |
| 163166 | XXXXXX | Combined LTV | 65.9500 | 70 |
| 163166 | XXXXXX | Months Reserves | 104.0000 | 4.52 |
| 163166 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163901 | XXXXXX | Cash Reserves | 212691.1900 | 45584.13 |
| 163901 | XXXXXX | Months Reserves | 126.0000 | 19.73 |
| 163901 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 163901 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163229 | XXXXXX | Cash Reserves | 96527.4400 | 112121.84 |
| 163229 | XXXXXX | Months Reserves | 35.0000 | 8.99 |
| 163229 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163229 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163185 | XXXXXX | Cash Reserves | 149113.2800 | 5539.41 |
| 163185 | XXXXXX | Combined LTV | 60.8100 | 70 |
| 163185 | XXXXXX | Months Reserves | 185.0000 | 4.68 |
| 163185 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163224 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163932 | XXXXXX | Cash Reserves | 357442.2100 | 415373.53 |
| 163932 | XXXXXX | Months Reserves | 82.0000 | 94.89 |
| 163932 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163170 | XXXXXX | Cash Reserves | 39239.6200 | 11931.42 |
| 163170 | XXXXXX | Combined LTV | 77.8400 | 85 |
| 163170 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 163170 | XXXXXX | Months Reserves | 42.0000 | 7.58 |
| 163170 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163222 | XXXXXX | Cash Reserves | 121747.3300 | 62931.53 |
| 163222 | XXXXXX | Months Reserves | 22.0000 | 22.01 |
| 163222 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163241 | XXXXXX | Cash Reserves | 200607.8600 | 104314.03 |
| 163241 | XXXXXX | Combined LTV | 82.5700 | 85 |
| 163241 | XXXXXX | Months Reserves | 59.0000 | 20.68 |
| 163241 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163200 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163936 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163928 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163909 | XXXXXX | Cash Reserves | 207682.2600 | 84860.79 |
| 163909 | XXXXXX | Months Reserves | 160.0000 | 41.41 |
| 163909 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163909 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 163909 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163903 | XXXXXX | Cash Reserves | 43676.7300 | 21669.56 |
| 163903 | XXXXXX | Months Reserves | 46.0000 | 21.74 |
| 163903 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163903 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163202 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163202 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163208 | XXXXXX | Cash Reserves | 131737.0300 | 70859.49 |
| 163208 | XXXXXX | Months Reserves | 15.0000 | 23.63 |
| 163208 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164067 | XXXXXX | Cash Reserves | 2948780.9900 | 2751159.72 |
| 164067 | XXXXXX | Months Reserves | 263.0000 | 210.42 |
| 164067 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163233 | XXXXXX | Cash Reserves | 303290.3400 | 207872.86 |
| 163233 | XXXXXX | Combined LTV | 75.9100 | 80 |
| 163233 | XXXXXX | Months Reserves | 143.0000 | 73.96 |
| 163233 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163210 | XXXXXX | Cash Reserves | 86016.3200 | 7320.92 |
| 163210 | XXXXXX | Combined LTV | 73.8500 | 80 |
| 163210 | XXXXXX | Months Reserves | 57.0000 | 2.51 |
| 163210 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163219 | XXXXXX | Cash Reserves | 692809.7600 | 593165.7 |
| 163219 | XXXXXX | Months Reserves | 146.0000 | 145.07 |
| 163219 | XXXXXX | Property Type | SFR | Detached PUD |
| 163219 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163938 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163235 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163235 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163220 | XXXXXX | Cash Reserves | 173473.1400 | 60591.47 |
| 163220 | XXXXXX | Months Reserves | 12.0000 | 11.25 |
| 163220 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163184 | XXXXXX | Cash Reserves | 144043.9100 | 19495.5 |
| 163184 | XXXXXX | Months Reserves | 4.0000 | 4.41 |
| 163184 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166114 | XXXXXX | Cash Reserves | 83262.5900 | 13886.68 |
| 166114 | XXXXXX | Months Reserves | 48.0000 | 4.26 |
| 166114 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 166114 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164071 | XXXXXX | Cash Reserves | 77288.3300 | 58447.11 |
| 164071 | XXXXXX | Combined LTV | 73.9500 | 85 |
| 164071 | XXXXXX | Months Reserves | 10.0000 | 9.08 |
| 164071 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163193 | XXXXXX | Cash Reserves | 522.4800 | 30202.15 |
| 163193 | XXXXXX | Months Reserves | 0.0000 | 11.34 |
| 163193 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163236 | XXXXXX | Cash Reserves | 257232.7800 | 52351.55 |
| 163236 | XXXXXX | Months Reserves | 113.0000 | 15.01 |
| 163236 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163927 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 163927 | XXXXXX | Cash Reserves | 114671.0700 | 77772.85 |
| 163927 | XXXXXX | Combined LTV | 63.4900 | 85 |
| 163927 | XXXXXX | Months Reserves | 49.0000 | 48.21 |
| 163927 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163243 | XXXXXX | Cash Reserves | 131671.9700 | 27044.06 |
| 163243 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163243 | XXXXXX | Months Reserves | 9.0000 | 10.18 |
| 163243 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163243 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163930 | XXXXXX | Cash Reserves | 133965.7200 | 60705.64 |
| 163930 | XXXXXX | Months Reserves | 50.0000 | 14.02 |
| 163930 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163926 | XXXXXX | Cash Reserves | 187281.7000 | 77075.95 |
| 163926 | XXXXXX | Months Reserves | 22.0000 | 25.53 |
| 163926 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163906 | XXXXXX | Cash Reserves | 41607.6800 | 29926.38 |
| 163906 | XXXXXX | Months Reserves | 6.0000 | 8.51 |
| 163906 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163221 | XXXXXX | Cash Reserves | 79380.6100 | 7748.6 |
| 163221 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 163221 | XXXXXX | Months Reserves | 33.0000 | 1.65 |
| 163221 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163910 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 163910 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 163910 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163911 | XXXXXX | Cash Reserves | 41152.5400 | 9948 |
| 163911 | XXXXXX | Months Reserves | 53.0000 | 6.98 |
| 163911 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163919 | XXXXXX | Cash Reserves | 2209752.2000 | 1817022.26 |
| 163919 | XXXXXX | Months Reserves | 193.0000 | 186.64 |
| 163919 | XXXXXX | Property Type | Low Rise Condo (1-4) | Condotel |
| 163919 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163916 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166118 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 166121 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 166121 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 166121 | XXXXXX | Cash Reserves | 174751.4200 | 109774.79 |
| 166121 | XXXXXX | Months Reserves | 35.0000 | 35.85 |
| 166121 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166113 | XXXXXX | Cash Reserves | 102154.5000 | 37416.35 |
| 166113 | XXXXXX | Combined LTV | 74.1300 | 84.9998 |
| 166113 | XXXXXX | Months Reserves | 45.0000 | 16.52 |
| 166113 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166506 | XXXXXX | Cash Reserves | 461235.4600 | 13249.26 |
| 166506 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 166506 | XXXXXX | Months Reserves | 209.0000 | 6 |
| 163333 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 163333 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 164027 | XXXXXX | Product Type | Pmx_Fx | 30 Yr Fixed |
| 164018 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 164018 | XXXXXX | Product Type | Pmx_Fx | 30 Yr Fixed |
| 163983 | XXXXXX | Product Type | Crx_Fx | 30 Yr Fixed |
| 164019 | XXXXXX | Product Type | Inv_Fx | 30 Yr Fixed |
| 164040 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 164040 | XXXXXX | Product Type | Inv_Fx | 30 Yr Fixed |
| 163328 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163328 | XXXXXX | Product Type | Pmx_Fx | 30 Yr Fixed |
| 163981 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 163981 | XXXXXX | Product Type | Inv_Fx_Io1040 | 40 Yr Fixed Interest Only |
| 163696 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 162404 | XXXXXX | Debt to Income Ratio (Back) | 0.0000 | 39.0355 |
| 162376 | XXXXXX | Debt to Income Ratio (Back) | 0.0000 | 39.0355 |
| 162368 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162373 | XXXXXX | Debt to Income Ratio (Back) | 23.2800 | 19.762 |
| 162332 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162388 | XXXXXX | Debt to Income Ratio (Back) | 0.0000 | 45.6593 |
| 162331 | XXXXXX | Combined LTV | 50.0000 | 56.25 |
| 162331 | XXXXXX | Note Rate | 7.6250 | 7.25 |
| 162331 | XXXXXX | Original LTV | 50.0000 | 56.25 |
| 162331 | XXXXXX | Prepay Penalty Term | 36 | 60 |
| 162331 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162366 | XXXXXX | Debt to Income Ratio (Back) | 0.0000 | 46.0759 |
| 162364 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 162364 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 162349 | XXXXXX | Prepay Penalty Term | 1 | 12 |
| 162349 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162411 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162358 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 162323 | XXXXXX | Cash Reserves | 626877.7600 | 551116.32 |
| 162323 | XXXXXX | Months Reserves | 90.0000 | 80.59 |
| 162374 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 162407 | XXXXXX | Cash Reserves | 419779.8000 | 265044.05 |
| 162407 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 162407 | XXXXXX | Months Reserves | 105.0000 | 74.08 |
| 162347 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 162347 | XXXXXX | Cash Reserves | 116467.6200 | 87011.4 |
| 162347 | XXXXXX | Months Reserves | 21.0000 | 12.35 |
| 162347 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 162355 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 162355 | XXXXXX | Debt to Income Ratio (Back) | 49.2290 | 45.0442 |
| 162355 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162338 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 162338 | XXXXXX | Cash Reserves | 249202.8700 | 121119.28 |
| 162338 | XXXXXX | Combined LTV | 81.5400 | 85 |
| 162338 | XXXXXX | Months Reserves | 20.0000 | 21.48 |
| 162338 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162338 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 162327 | XXXXXX | Cash Reserves | 48809.5600 | 13197 |
| 162327 | XXXXXX | Months Reserves | 51.0000 | 8.01 |
| 162327 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 162327 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 162327 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162341 | XXXXXX | Cash Reserves | 68693.1400 | 1153.21 |
| 162341 | XXXXXX | Months Reserves | 1.0000 | 0.58 |
| 162341 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 162390 | XXXXXX | Cash Reserves | 125826.0500 | 52178.14 |
| 162390 | XXXXXX | Months Reserves | 35.0000 | 8.84 |
| 162390 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162342 | XXXXXX | Cash Reserves | 108306.8400 | 19527 |
| 162342 | XXXXXX | Months Reserves | 5.0000 | 5.13 |
| 162342 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162391 | XXXXXX | Cash Reserves | 125957.5700 | 13985.92 |
| 162391 | XXXXXX | Combined LTV | 82.1200 | 85 |
| 162391 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 162391 | XXXXXX | Months Reserves | 52.0000 | 3.09 |
| 162391 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162356 | XXXXXX | Cash Reserves | 398107.3000 | 291087.89 |
| 162356 | XXXXXX | Combined LTV | 76.3600 | 80 |
| 162356 | XXXXXX | Months Reserves | 59.0000 | 58.61 |
| 162356 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162400 | XXXXXX | Cash Reserves | 71964.4900 | 139387.09 |
| 162400 | XXXXXX | Months Reserves | 21.0000 | 37.87 |
| 162400 | XXXXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 162400 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162379 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 162379 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 162379 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162379 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 162351 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 162351 | XXXXXX | Debt to Income Ratio (Back) | 27.9560 | 24.3245 |
| 162351 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162351 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 162337 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 162345 | XXXXXX | Cash Reserves | 25992.2000 | 7946.62 |
| 162345 | XXXXXX | Months Reserves | 18.0000 | 4.31 |
| 162345 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 162345 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 162357 | XXXXXX | Cash Reserves | 277368.9500 | 85655.27 |
| 162357 | XXXXXX | Months Reserves | 24.0000 | 15.04 |
| 162357 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163214 | XXXXXX | Cash Reserves | 231364.7500 | 185155.14 |
| 163214 | XXXXXX | Months Reserves | 72.0000 | 71.91 |
| 163214 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163240 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 163240 | XXXXXX | Cash Reserves | 154090.7200 | 81167.27 |
| 163240 | XXXXXX | Months Reserves | 32.0000 | 31.81 |
| 163240 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163240 | XXXXXX | Representative Credit Score for Grading | 798 | 806 |
| 163240 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163186 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 163186 | XXXXXX | Cash Reserves | 150004.1900 | 80654.93 |
| 163186 | XXXXXX | Months Reserves | 32.0000 | 33.55 |
| 163186 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 163186 | XXXXXX | Representative Credit Score for Grading | 798 | 806 |
| 163186 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163195 | XXXXXX | Cash Reserves | 108285.6500 | 150208.94 |
| 163195 | XXXXXX | Months Reserves | 4.0000 | 37.74 |
| 163195 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163165 | XXXXXX | Cash Reserves | 101855.4500 | 48393.04 |
| 163165 | XXXXXX | Combined LTV | 72.5600 | 80 |
| 163165 | XXXXXX | Months Reserves | 81.0000 | 25.85 |
| 163165 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

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| | |
|:---|:---|
| **ATR QM Upload** |  |
| *Loans in Report:* | *133* |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **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** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **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** |
| 164315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8829.07 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 15590.81 | No | (No Data) | 1.7658 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164316 | 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 | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3182 | Yes | Yes | 3.609 | 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 | 27.99 | 38.58 | 38.58 | 38.58 | 38.58 | 38.58 | No | No | (No Data) | 21958.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | 7 | XXXXXX | 69 | XXXXXX | 64 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4472.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.3416 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163946 | 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 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2229.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.4577 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2626.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4626.00 | No | (No Data) | 1.7611 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6288 | No | No | 11.732 | (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) | -1695.3 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0028 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Not Applicable | XXXXXX | 0 | XXXXXX | 0 | Not Applicable | XXXXXX | Work Visa | (No Data) | (No Data) | (No Data) |
| 164318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6132.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6500.00 | No | (No Data) | 1.0599 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164319 | 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 | 8.3901 | Yes | Yes | 2.476 | 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) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.66 | 33.57 | 33.66 | 33.57 | 33.57 | 33.57 | No | No | (No Data) | 32822.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1952.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.0757 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2864.99 | Yes | 0 | No | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5791.95 | No | (No Data) | 2.0216 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 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 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14677.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8300.00 | No | (No Data) | 0.5654 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | Work Visa | (No Data) | (No Data) |
| 164064 | 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 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3746.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2721.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4046.00 | No | (No Data) | 1.4865 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4443.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6280.00 | No | (No Data) | 1.4133 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163941 | 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 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7793.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6700.00 | No | (No Data) | 0.8597 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164063 | 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 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2329.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 0.7513 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2194.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1390 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8968.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10825.00 | No | (No Data) | 1.2070 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163168 | 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 | 9.3019 | No | No | 1.716 | 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 | 45.56 | 45.56 | 45.56 | 45.56 | 45.56 | 45.56 | No | No | (No Data) | 11931.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4200.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4700.00 | No | (No Data) | 1.1188 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7999.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9090.00 | No | (No Data) | 1.1364 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5554.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5561.00 | No | (No Data) | 1.0012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3939.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6300.00 | No | (No Data) | 1.5993 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1125.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1775.00 | No | (No Data) | 1.5770 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1170.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1460.00 | No | (No Data) | 1.2469 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2014.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 0.8687 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163213 | 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 | 9.2429 | Yes | Yes | 2.863 | 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 | 38.42 | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | No | No | (No Data) | 12319.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163166 | 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 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3123.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3550.00 | No | (No Data) | 1.1365 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2310.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1965.00 | No | (No Data) | 0.8505 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12478 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 14400.00 | No | (No Data) | 1.1540 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1184.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1590.00 | No | (No Data) | 1.3427 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5501.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 8928.80 | 1.6231 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4377.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9252.00 | No | (No Data) | 2.1135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | Green Card | (No Data) | (No Data) |
| 163170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1574.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1705.00 | No | (No Data) | 1.0831 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2859.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3750.00 | No | (No Data) | 1.3114 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5044.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8048.00 | No | (No Data) | 1.5953 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1313.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1700.00 | No | (No Data) | 1.2939 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1700.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2859.00 | No | (No Data) | 1.6809 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1344.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1360.00 | No | (No Data) | 1.0117 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1099.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1360.00 | 1.2368 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2049.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4747.00 | No | (No Data) | 2.3167 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -996.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.4045 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5694.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9854.00 | No | (No Data) | 1.7305 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5071.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5500.00 | 1.0846 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2998.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7760.00 | No | (No Data) | 2.5860 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Site Condo | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13074.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5500.00 | No | (No Data) | 0.4207 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -992.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1360.00 | No | (No Data) | 1.3704 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -978.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1775.00 | No | (No Data) | 1.8140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (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 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2810.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3586.00 | No | (No Data) | 1.2760 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2911.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4714.00 | No | (No Data) | 1.6189 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7445 | Yes | Yes | 0.49 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.3 | 5.21 | 5.3 | 5.21 | 5.21 | 5.21 | No | No | (No Data) | 248871.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163938 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0305 | Yes | Yes | 3.203 | 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 | 41.31 | 41.31 | 41.31 | 41.31 | 41.31 | 41.31 | No | No | (No Data) | 11359.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2037.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0797 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5386.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.0025 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4420.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6773.00 | No | (No Data) | 1.5323 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 166114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3260.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3640.00 | No | (No Data) | 1.1164 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6436.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7422.00 | No | (No Data) | 1.1531 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163193 | 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 | No | 1 | 7.1992 | Yes | Yes | 4.324 | 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 | 11.08 | 10.93 | 10.93 | 10.93 | 10.93 | 10.93 | No | No | (No Data) | 24340.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3487.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4920.00 | No | (No Data) | 1.4106 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1613.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.3946 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2657.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 11160.00 | No | (No Data) | 4.1993 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4328.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7260.00 | No | (No Data) | 1.6772 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163907 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1472.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.0523 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3018.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 1.0269 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3515.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3840.00 | No | (No Data) | 1.0923 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4703.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5486.00 | No | (No Data) | 1.1665 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5085.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9500.00 | 1.8681 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163911 | 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 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1425.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.0523 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9735.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8960.00 | No | (No Data) | 0.9203 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1542.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.1347 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | Green Card | (No Data) | (No Data) | (No Data) |
| 166118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2058.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.0446 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | Green Card | (No Data) | (No Data) |
| 166121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3061.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | No | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5734.00 | No | (No Data) | 1.8727 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 166113 | 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 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2264.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2920.00 | No | (No Data) | 1.2893 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 166506 | 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) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2208.21 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9166.44 | No | (No Data) | 4.1511 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163333 | 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 | 7.2049 | No | No | 2.105 | 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 | 46.94 | 47.12 | 46.94 | 47.12 | 47.12 | 47.12 | Yes | Yes | Yes | 16152.92 | (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) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164027 | 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 | 5.3980 | Yes | Yes | 0.122 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | No | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.15 | 11.61 | 11.15 | 11.61 | 11.61 | 11.61 | No | No | (No Data) | 113296.1 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164018 | 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 | 3.5222 | Yes | Yes | 1.797 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.34 | 38.04 | 40.34 | 38.04 | 38.04 | 38.04 | No | No | (No Data) | 11512.18 | (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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.9319 | No | No | 3.122 | 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 | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | Yes | Yes | Yes | 7038.15 | (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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163998 | 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 | 4.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6565.83 | (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 | 6600.00 | No | (No Data) | 1.0211 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164019 | 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 | 5.2490 | 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) | -3317.02 | (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) | 0.9340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 164040 | 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 | 4.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2966.74 | (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 | 3250.00 | No | (No Data) | 1.1000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163328 | 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 | 5.1599 | Yes | Yes | 2.119 | 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 | 7.17 | 14.64 | 7.17 | 14.64 | 14.64 | 14.64 | Yes | Yes | Yes | 183840.07 | (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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163981 | 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) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 3.9989 | 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) | -2997.53 | (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 | 3700.00 | No | (No Data) | 1.2343 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163696 | 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 | 8.2520 | Yes | Yes | 0.764 | 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 | 42.19 | 41.49 | 42.19 | 41.49 | 41.49 | 41.49 | No | No | (No Data) | 6310.64 | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.04 | 0 | 39.04 | 39.04 | 39.04 | (No Data) | (No Data) | (No Data) | 12510.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.04 | 0 | 39.04 | 39.04 | 39.04 | (No Data) | (No Data) | (No Data) | 12510.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4256.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4885.00 | No | (No Data) | 1.1476 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9880 | No | No | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.77 | 49.99 | 49.77 | 49.77 | 49.77 | Yes | Yes | Yes | 4359.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5583 | Yes | Yes | 0.463 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.28 | 19.76 | 23.28 | 19.76 | 19.76 | 19.76 | No | No | (No Data) | 24336.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.2046 | No | No | 7.134 | (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) | -10031.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 0.8017 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.84 | 0 | 47.84 | 47.84 | 47.84 | (No Data) | (No Data) | (No Data) | 28406.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6439 | Yes | Yes | 0.279 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.69 | 8.69 | 8.69 | 8.69 | 8.69 | 8.69 | No | No | (No Data) | 62079.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162388 | 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 | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9095 | No | No | 0.197 | 0.197 | (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 | 45.66 | 45.66 | 45.66 | 45.66 | 45.66 | 45.66 | Yes | Yes | Yes | 12340 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | Yes | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3274.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2970.00 | No | (No Data) | 0.9069 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2505.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 844.00 | No | (No Data) | 1.3300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | Employment Authorization Document | Employment Authorization Document | (No Data) |
| 162366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4224 | No | No | 0.33 | 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 | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.66 | 46.08 | 46.66 | 46.08 | 46.08 | 46.08 | Yes | Yes | Yes | 10454.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Business Bank Statements - 12 months | Award Letter - 12 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162348 | 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 | 8.6841 | Yes | Yes | 1.603 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.3 | 38.81 | 41.3 | 38.81 | 38.81 | 38.81 | No | No | (No Data) | 13611.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor | 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 | Yes | 1 | 9.3877 | No | No | 3.185 | 3.185 | (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 | 44.51 | 44.51 | 44.51 | 44.51 | 44.51 | 44.51 | No | No | (No Data) | 5505.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5844.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8000.00 | No | (No Data) | 1.3689 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd in 12 mos | (No Data) | No | Yes | 1 | 7.2500 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1865.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2250.00 | 1.2061 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162411 | 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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4240.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 0.9780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1717 | Yes | Yes | 2.524 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.97 | 31.97 | 31.97 | 31.97 | 31.97 | 31.97 | No | No | (No Data) | 18690.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7582 | No | No | 1.258 | 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 | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.32 | 47.32 | 47.32 | 47.32 | 47.32 | 47.32 | No | No | (No Data) | 8494.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2319 | No | No | 0.241 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | No | No | (No Data) | 4825.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0314 | No | No | 2.504 | 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 | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.86 | 46.86 | 46.86 | 46.86 | 46.86 | 46.86 | No | No | (No Data) | 31808.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162336 | 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 | Yes | 1 | 7.9412 | No | No | 4.13 | 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 | 48.46 | 48.46 | 48.46 | 48.46 | 48.46 | 48.46 | No | No | (No Data) | 6229.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6848 | No | No | 2.228 | 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) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.97 | 44.97 | 44.97 | 44.97 | 44.97 | 44.97 | No | No | (No Data) | 8764.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 54 | No | (No Data) | No | (No Data) | No | (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 - 54 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162365 | 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 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2783.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.0059 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2115.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2225.00 | No | (No Data) | 1.0517 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2712.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.4745 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162407 | 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 | 6.6249 | 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) | -3577.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 0.7546 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -968.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.4455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162347 | 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 | 8.0418 | Yes | Yes | 2.485 | 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) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.68 | 19.85 | 20.68 | 19.85 | 19.85 | 19.85 | No | No | (No Data) | 32056.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162355 | 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) | No | No | Rate and Term Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 1.319 | 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 | 49.22 | 45.04 | 49.22 | 45.04 | 45.04 | 45.04 | No | Yes | Yes | 16964.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 6 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Business Tax Return - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9787 | Yes | Yes | 2.159 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.37 | 9.63 | 10.37 | 9.63 | 9.63 | 9.63 | No | Yes | Yes | 75145.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1647.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2746.00 | No | (No Data) | 1.6666 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162341 | 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 | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1992.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0038 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5905.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6500.00 | No | (No Data) | 1.1007 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3803.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6720.00 | No | (No Data) | 1.7667 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162391 | 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 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4532.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5514.00 | No | (No Data) | 1.2164 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4966.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5350.00 | No | (No Data) | 1.0772 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3680.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3750.00 | No | (No Data) | 1.0189 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6119 | Yes | Yes | 2.148 | 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 | 7.48 | 7.45 | 7.48 | 7.45 | 7.45 | 7.45 | No | No | (No Data) | 63670.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162351 | 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 | 7.6209 | Yes | Yes | 2.141 | 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 | 27.96 | 24.32 | 27.96 | 24.32 | 24.32 | 24.32 | Yes | Yes | Yes | 23214.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4997.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4022.00 | No | (No Data) | 0.8047 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1844.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.2472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5695.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8513.00 | No | (No Data) | 1.4946 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 162401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2%, 1% of UPB in year 1,2 | (No Data) | No | Yes | 1 | 7.0000 | No | No | 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) | -16044.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0979 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | Green Card | (No Data) | (No Data) | (No Data) |
| 163214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2574.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5760.00 | No | (No Data) | 2.2372 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2551.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4200.00 | No | (No Data) | 1.6461 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2403.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6113.00 | No | (No Data) | 2.5430 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | -3980.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6274.00 | No | (No Data) | 1.5762 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 163165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1872.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2606.00 | No | (No Data) | 1.3919 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **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** |
| 164315 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 550.43 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Unavailable | No | Present | XXXXXX | 377 | 53569.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | XXXX | (No Data) | 702 | 0 | -8829.07 | 0 | 0 | 8829.07 | 0 | 1043968.13 | 810934.66 | 810934.66 | XXXXXX | 550935.76 | 62.4 | 62.40 | Fully Amortized | 8.750 | XXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 164316 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 229.17 | (No Data) | (No Data) | 0.00 | 399.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 236 | 13500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 626 | 646 | 657 | 35752.86 | 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 | XXXX | (No Data) | 646 | 35752.86 | 21958.52 | 7.77 | 38.58 | 13794.34 | 2779.48 | 175225.94 | 175225.94 | 175225.94 | XXXXXX | 39092.43 | 13.04 | 13.04 | Fully Amortized | 7.875 | XXXX | 7.77 | 38.58 | 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 D | D A | A D | D A | A | CPA Letter - 60 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) |
| 163917 | 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 | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 137.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 33 | 1200.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 660 | 679 | 660 | 0 | XXXX | (No Data) | 660 | 0 | -4472.19 | 0 | 0 | 4472.19 | 0 | 41742.22 | 41742.22 | 41742.22 | XXXXXX | 41742.22 | 9.33 | 9.33 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163946 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 32.61 | 32.61 | 0 | Present | 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 | 341.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 337 | 4750.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 630 | 663 | 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 | XXXX | (No Data) | 657 | 0 | -2229.6 | 0 | 0 | 2229.6 | 0 | 96123.47 | 96123.47 | 96123.47 | XXXXXX | 96123.47 | 43.11 | 43.11 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163263 | 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 | 7.0000 | XXXX | 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 | Vacant | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 109.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 36 | 10500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 723 | 715 | 0 | XXXX | (No Data) | 721 | 0 | -2626.8 | 0 | 0 | 2626.8 | 0 | 119412.37 | 119412.37 | 119412.37 | XXXXXX | 24175.6 | 9.2 | 9.20 | Fully Amortized | 7.000 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164109 | 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 | 7.1250 | XXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 140.25 | (No Data) | (No Data) | 0.00 | 41.67 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Missing | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | XXXX | (No Data) | Not Applicable | 0 | -1695.3 | 0 | 0 | 1695.3 | 0 | 101506.72 | 101506.72 | 101506.72 | XXXXXX | 15231.91 | 8.98 | 8.98 | Fully Amortized | 7.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164318 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 247.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 153 | 11268.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 673 | 683 | 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 | XXXX | (No Data) | 675 | 0 | -6132.66 | 0 | 0 | 6132.66 | 0 | 580586.96 | 580586.96 | 580586.96 | XXXXXX | 580586.96 | 94.67 | 85.61 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164319 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Attorney Opinion | Fee Simple | XXXXXX | 168.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 80 | 8000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 624 | 602 | 49409.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 624 | 49409.81 | 32822.01 | 17.3 | 33.57 | 16587.8 | 8546.8 | 346251.02 | 346251.02 | 346251.02 | XXXXXX | 83201.62 | 9.73 | 9.73 | Fully Amortized | 8.125 | XXXX | 17.3 | 33.57 | 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 | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 164320 | 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 | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 173.96 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 428 | 57101.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 730 | 737 | 0 | XXXX | (No Data) | 737 | 0 | -1952.21 | 0 | 0 | 1952.21 | 0 | 273784.68 | 273784.68 | 273784.68 | XXXXXX | 273784.68 | 140.24 | 140.24 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 164321 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 73.53 | 73.53 | 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 | 195.62 | (No Data) | (No Data) | (No Data) | 54.17 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 359 | 33500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 766 | 724 | 0 | XXXX | (No Data) | 756 | 0 | -2864.99 | 0 | 0 | 2864.99 | 0 | 437097.23 | 337927.7 | 337927.7 | XXXXXX | 337927.7 | 117.95 | 117.95 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 164322 | 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 | 9.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.00 | (No Data) | (No Data) | 0.00 | 3822.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 76 | 68467.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 683 | 700 | 0 | XXXX | (No Data) | 700 | 0 | -14677.87 | 0 | 0 | 14677.87 | 0 | 81400.50 | 81400.5 | 81400.5 | XXXXXX | 81400.5 | 5.55 | 5.55 | Fully Amortized | 9.000 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164064 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 370.00 | (No Data) | (No Data) | 64.42 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 203 | 366764.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 705 | 610 | 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 | XXXX | (No Data) | 705 | 0 | -3746.44 | 0 | 0 | 3746.44 | 0 | 147891.64 | 147891.64 | 147891.64 | XXXXXX | 101301.64 | 27.04 | 194.96 | Fully Amortized | (No Data) | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163190 | 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 | 8.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 133.17 | (No Data) | (No Data) | (No Data) | 100.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 178 | 11500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 753 | 758 | 0 | XXXX | (No Data) | 753 | 0 | -2721.75 | 0 | 0 | 2721.75 | 0 | 177797.01 | 159055.7 | 159055.7 | XXXXXX | 65923.45 | 24.22 | 24.22 | Fully Amortized | 8.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163230 | 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 | 6.6250 | XXXX | 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 | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 280.50 | (No Data) | (No Data) | (No Data) | 133.33 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 184 | 55040.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 773 | 784 | 0 | XXXX | (No Data) | 773 | 0 | -4443.57 | 0 | 0 | 4443.57 | 0 | 156097.78 | 156097.78 | 156097.78 | XXXXXX | 13355.7 | 3.01 | 3.01 | Fully Amortized | 6.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163941 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 479.67 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 141 | 35000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 745 | 741 | 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 | XXXX | (No Data) | 741 | 0 | -7793.14 | 0 | 0 | 7793.14 | 0 | 343908.25 | 343908.25 | 343908.25 | XXXXXX | 66299.88 | 8.51 | 8.51 | Fully Amortized | 7.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164063 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 202.60 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 245 | 45000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 741 | 730 | 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 | XXXX | (No Data) | 730 | 0 | -2329.34 | 0 | 0 | 2329.34 | 0 | 149679.48 | 149679.48 | 149679.48 | XXXXXX | 35538.06 | 15.26 | 15.26 | Fully Amortized | 7.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163920 | 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 | 8.2500 | XXXX | 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 | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.32 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 36 | 4500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 633 | 625 | 632 | 0 | XXXX | (No Data) | 632 | 0 | -2194.82 | 0 | 0 | 2194.82 | 0 | 21076.92 | 21076.92 | 21076.92 | XXXXXX | 19146.05 | 8.72 | 8.72 | Fully Amortized | 8.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163177 | 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 | 7.5000 | XXXX | 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 | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 171.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 247 | 26000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 732 | 745 | 0 | XXXX | (No Data) | 745 | 0 | -8968.53 | 0 | 0 | 8968.53 | 0 | 62303.42 | 43612.39 | 43612.39 | XXXXXX | 41667.85 | 4.65 | 4.65 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163168 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 73.50 | (No Data) | (No Data) | 0.00 | 343.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 182 | 47000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 701 | 714 | 21918.77 | 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 | XXXX | (No Data) | 701 | 21918.77 | 11931.68 | 38.41 | 45.56 | 9987.09 | 8420.09 | 194195.44 | 182547.44 | 182547.44 | XXXXXX | 111465.64 | 13.24 | 13.24 | Fully Amortized | 9.250 | XXXX | 38.41 | 45.56 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) |
| 163206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 129.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 300 | 12900.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 621 | 621 | 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 | XXXX | (No Data) | 621 | 0 | -4200.94 | 0 | 0 | 4200.94 | 0 | 193192.62 | 193192.62 | 193192.62 | XXXXXX | 19456.59 | 4.63 | 4.63 | Fully Amortized | 7.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163198 | 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 | 8.2500 | XXXX | 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 | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 325.60 | (No Data) | (No Data) | 0.00 | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 353 | 48000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 717 | 719 | 0 | XXXX | (No Data) | 717 | 0 | -7999.21 | 0 | 0 | 7999.21 | 0 | 247540.76 | 247540.76 | 247540.76 | XXXXXX | 32163.27 | 4.02 | 4.02 | Fully Amortized | 8.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163175 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 84.75 | 84.75 | 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 | 204.57 | (No Data) | (No Data) | 0.00 | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 164 | 19500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 777 | 781 | 0 | XXXX | (No Data) | 781 | 0 | -5554.49 | 0 | 0 | 5554.49 | 0 | 162177.99 | 162177.99 | 162177.99 | XXXXXX | 12211.56 | 2.2 | 2.00 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163187 | 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 | 6.6250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 543.94 | (No Data) | (No Data) | 0.00 | 66.67 | Present | XXXXXX | 1 | No | Present | XXXXXX | 268 | 25000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 633 | 675 | 647 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 768 | 745 | 0 | XXXX | (No Data) | 745 | 0 | -3939.24 | 0 | 0 | 3939.24 | 0 | 200110.93 | 200110.93 | 200110.93 | XXXXXX | 21916.69 | 5.56 | 5.56 | Fully Amortized | 6.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163904 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 73.46 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 282 | 20000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -1125.56 | 0 | 0 | 1125.56 | 0 | 53198.78 | 53198.78 | 53198.78 | XXXXXX | 28932.53 | 25.7 | 25.70 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163915 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 68.39 | 68.39 | 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 | 98.04 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 282 | 23700.00 | 23 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -1170.92 | 0 | 0 | 1170.92 | 0 | 9289.52 | 9289.52 | 9289.52 | XXXXXX | 9289.52 | 7.93 | 7.93 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163194 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 74.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 398 | 21000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 776 | 768 | 0 | XXXX | (No Data) | 797 | 0 | -2014.6 | 0 | 0 | 2014.6 | 0 | 111096.98 | 111096.98 | 111096.98 | XXXXXX | 66695.4 | 33.11 | 33.11 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 163213 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 167.85 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 115 | 6000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 697 | 677 | 19893.54 | 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 | XXXX | (No Data) | 697 | 19893.54 | 12319.69 | 37.42 | 38.07 | 7573.85 | 7444.85 | 108626.40 | 108626.4 | 108626.4 | XXXXXX | 47726.4 | 6.41 | 6.41 | Fully Amortized | 9.125 | XXXX | 37.42 | 38.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 163166 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 420.83 | (No Data) | (No Data) | 79.17 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 103 | 50822.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 673 | 655 | 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 | XXXX | (No Data) | 655 | 0 | -3123.55 | 0 | 0 | 3123.55 | 0 | 168110.08 | 168110.08 | 168110.08 | XXXXXX | 14105 | 4.52 | 4.52 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163901 | 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 | 6.7500 | XXXX | 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 | Attached PUD | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 108.97 | (No Data) | (No Data) | (No Data) | 124.17 | Present | XXXXXX | 2 | No | Present | XXXXXX | 331 | 28800.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 753 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 602 | 639 | 0 | XXXX | (No Data) | 786 | 0 | -2310.27 | 0 | 0 | 2310.27 | 0 | 178977.09 | 125283.96 | 125283.96 | XXXXXX | 45584.13 | 19.73 | 19.73 | Fully Amortized | 6.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163229 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 536.26 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 280 | 16000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 746 | 740 | 746 | 0 | XXXX | (No Data) | 746 | 0 | -12478 | 0 | 0 | 12478 | 0 | 450737.23 | 450737.23 | 450737.23 | XXXXXX | 112121.84 | 8.99 | 8.33 | Fully Amortized | 7.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163185 | 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 | 7.7500 | XXXX | 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 | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 79.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 72 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 663 | 634 | 0 | XXXX | (No Data) | 653 | 0 | -1184.19 | 0 | 0 | 1184.19 | 0 | 74953.27 | 74953.27 | 74953.27 | XXXXXX | 5539.41 | 4.68 | 4.68 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163224 | 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 | 7.8750 | XXXX | 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 | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 214.74 | (No Data) | (No Data) | (No Data) | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 398 | 28900.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 773 | 773 | 0 | XXXX | (No Data) | 773 | 0 | -5501.05 | 0 | 0 | 5501.05 | 0 | 206701.57 | 206701.57 | 206701.57 | XXXXXX | 56701.57 | 10.31 | 10.31 | Fully Amortized | 7.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 163932 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 263.25 | (No Data) | (No Data) | 375.08 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 130 | 35500.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 773 | 792 | 0 | XXXX | (No Data) | 775 | 0 | -4377.56 | 0 | 0 | 4377.56 | 0 | 415373.53 | 415373.53 | 415373.53 | XXXXXX | 415373.53 | 94.89 | 87.14 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163170 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXX | 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 |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 165.67 | (No Data) | (No Data) | 69.44 | 35.42 | Present | XXXXXX | 1 | No | Present | XXXXXX | 135 | 16000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 774 | 771 | 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 | XXXX | (No Data) | 774 | 0 | -1574.16 | 0 | 0 | 1574.16 | 0 | 39239.62 | 39239.62 | 39239.62 | XXXXXX | 11931.42 | 7.58 | 7.58 | Fully Amortized | 8.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163222 | 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 | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 175.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 110 | 18500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 740 | 695 | 0 | XXXX | (No Data) | 724 | 0 | -2859.52 | 0 | 0 | 2859.52 | 0 | 121747.33 | 121747.33 | 121747.33 | XXXXXX | 62931.53 | 22.01 | 22.01 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163241 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9900 | XXXX | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 172.60 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 371 | 32000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 810 | 819 | 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 | XXXX | (No Data) | 813 | 0 | -5044.67 | 0 | 0 | 5044.67 | 0 | 200607.86 | 200607.86 | 200607.86 | XXXXXX | 104314.03 | 20.68 | 20.68 | Fully Amortized | 7.990 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163234 | 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 | 7.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 34.41 | (No Data) | (No Data) | (No Data) | 1.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 367 | 17000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 636 | 714 | 0 | XXXX | (No Data) | 681 | 0 | -1313.89 | 0 | 0 | 1313.89 | 0 | 41902.63 | 41902.63 | 41902.63 | XXXXXX | 41902.63 | 31.89 | 31.89 | Fully Amortized | 7.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163200 | 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 | 6.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 103.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 367 | 17000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 636 | 715 | 0 | XXXX | (No Data) | 681 | 0 | -1700.84 | 0 | 0 | 1700.84 | 0 | 16413.10 | 16413.1 | 16413.1 | XXXXXX | 16413.1 | 9.65 | 9.65 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163936 | 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 | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.54 | (No Data) | (No Data) | 58.75 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 180 | 4976.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -1344.27 | 0 | 0 | 1344.27 | 0 | 26749.95 | 26749.95 | 26749.95 | XXXXXX | 26749.95 | 19.9 | 19.90 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163928 | 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 | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 74.02 | (No Data) | (No Data) | 55.67 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 20000.00 | 23 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -1099.62 | 0 | 0 | 1099.62 | 0 | 50000.41 | 50000.41 | 50000.41 | XXXXXX | 50000.41 | 45.47 | 45.47 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 163909 | 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 | 6.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 126.60 | (No Data) | (No Data) | (No Data) | 961.42 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 71 | 15281.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 693 | 700 | 0 | XXXX | (No Data) | 700 | 0 | -2049.04 | 0 | 0 | 2049.04 | 0 | 207682.26 | 207682.26 | 207682.26 | XXXXXX | 84860.79 | 41.41 | 41.41 | Fully Amortized | 6.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163903 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 67.74 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 282 | 20000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -996.82 | 0 | 0 | 996.82 | 0 | 21669.56 | 21669.56 | 21669.56 | XXXXXX | 21669.56 | 21.74 | 21.74 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163202 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 112.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 315 | 30000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 729 | 707 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 726 | 708 | 0 | XXXX | (No Data) | 719 | 0 | -5694.39 | 0 | 0 | 5694.39 | 0 | 286600.19 | 286600.19 | 286600.19 | XXXXXX | 100222.6 | 17.6 | 17.60 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163918 | 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 | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 236.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 240 | 18000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 655 | 666 | 0 | XXXX | (No Data) | 660 | 0 | -5071.03 | 0 | 0 | 5071.03 | 0 | 116702.48 | 116702.48 | 116702.48 | XXXXXX | 116702.48 | 23.01 | 23.01 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 163208 | 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 | 6.8750 | XXXX | 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 |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 314.91 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 292 | 31700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 839 | 798 | 808 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 823 | 793 | 0 | XXXX | (No Data) | 808 | 0 | -2998.46 | 0 | 0 | 2998.46 | 0 | 158415.20 | 158415.2 | 158415.2 | XXXXXX | 70859.49 | 23.63 | 23.63 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164067 | 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 | 9.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Site Condo | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 828.76 | (No Data) | (No Data) | 101.83 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 162 | 65500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 736 | 746 | 0 | XXXX | (No Data) | 736 | 0 | -13074.45 | 0 | 0 | 13074.45 | 0 | 3269300.27 | 3269300.27 | 3269300.27 | XXXXXX | 2751159.72 | 210.42 | 210.42 | Fully Amortized | 9.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163902 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 73.55 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 282 | 20000.00 | 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 | 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 | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -992.42 | 0 | 0 | 992.42 | 0 | 16729.24 | 16729.24 | 16729.24 | XXXXXX | 16729.24 | 16.86 | 16.86 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163935 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 69.91 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 20000.00 | 23 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 672 | 671 | 0 | XXXX | (No Data) | 671 | 0 | -978.51 | 0 | 0 | 978.51 | 0 | 12098.39 | 12098.39 | 12098.39 | XXXXXX | 12098.39 | 12.36 | 12.36 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163233 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Short Form Limited Final | Fee Simple | XXXXXX | 123.93 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 408 | 34800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | XXXX | (No Data) | 787 | 0 | -2810.45 | 0 | 0 | 2810.45 | 0 | 303290.34 | 303290.34 | 303290.34 | XXXXXX | 207872.86 | 73.96 | 73.96 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 163210 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 223.42 | (No Data) | (No Data) | (No Data) | 12.50 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 135 | 18400.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 703 | 663 | 0 | XXXX | (No Data) | 690 | 0 | -2911.8 | 0 | 0 | 2911.8 | 0 | 86016.32 | 86016.32 | 86016.32 | XXXXXX | 7320.92 | 2.51 | 2.51 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163219 | 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 | 6.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 84.25 | 84.25 | 0 | Present | 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 | 305.59 | (No Data) | (No Data) | (No Data) | 64.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 182 | 18600.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 600 | 634 | 128653.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 728 | 800 | 133904.59 | XXXX | (No Data) | 791 | 262558.01 | 248871.03 | 1.56 | 5.21 | 13686.98 | 4088.91 | 693165.70 | 693165.7 | 693165.7 | XXXXXX | 593165.7 | 145.07 | 145.07 | Fully Amortized | 6.750 | XXXX | 1.56 | 5.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) |
| 163938 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 270.35 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 277 | 11500.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 698 | 692 | 19356.17 | 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 | XXXX | (No Data) | 698 | 19356.17 | 11359.74 | 33.74 | 41.31 | 7996.43 | 6531.43 | 25973.14 | 25973.14 | 25973.14 | XXXXXX | 25973.14 | 3.98 | 3.98 | Fully Amortized | 7.750 | XXXX | 33.74 | 41.31 | 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 B | A B | A B | A B | A | P & L Only - 12 months | (No Data) | (No Data) | (No Data) |
| 163235 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 242.01 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 45 | 3000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | 638 | 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 | XXXX | (No Data) | 658 | 0 | -2037.69 | 0 | 0 | 2037.69 | 0 | 10639.30 | 10639.3 | 10639.3 | XXXXXX | 10639.3 | 5.22 | 4.80 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163220 | 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 | 6.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 239.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 55 | 62344.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 730 | 717 | 0 | XXXX | (No Data) | 730 | 0 | -5386.44 | 0 | 0 | 5386.44 | 0 | 173473.14 | 173473.14 | 173473.14 | XXXXXX | 60591.47 | 11.25 | 11.25 | Fully Amortized | 6.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163184 | 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 | 6.8750 | XXXX | 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 | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 66.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 219 | 16000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 812 | 777 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 779 | 767 | 0 | XXXX | (No Data) | 807 | 0 | -4420.14 | 0 | 0 | 4420.14 | 0 | 144043.91 | 144043.91 | 144043.91 | XXXXXX | 19495.5 | 4.41 | 4.41 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166114 | 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 | 8.0000 | XXXX | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 106.67 | (No Data) | (No Data) | (No Data) | 138.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 236 | 24900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 804 | 784 | 0 | XXXX | (No Data) | 804 | 0 | -3260.5 | 0 | 0 | 3260.5 | 0 | 83262.59 | 83262.59 | 83262.59 | XXXXXX | 13886.68 | 4.26 | 4.12 | Fully Amortized | 8.000 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164071 | 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 | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Rural | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 173.95 | (No Data) | (No Data) | (No Data) | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 82 | 30000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 802 | 733 | 0 | XXXX | (No Data) | 781 | 0 | -6436.54 | 0 | 0 | 6436.54 | 0 | 258121.33 | 258121.33 | 258121.33 | XXXXXX | 58447.11 | 9.08 | 9.08 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163193 | 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 | 6.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 50.48 | 50.48 | 0 | Present | 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 | 540.75 | (No Data) | (No Data) | 82.67 | 40.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 13900.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 613 | 637 | 27326.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 623 | 683 | 0 | XXXX | (No Data) | 636 | 27326.07 | 24340.56 | 9.75 | 10.93 | 2985.51 | 2663.51 | 30202.15 | 30202.15 | 30202.15 | XXXXXX | 30202.15 | 11.34 | 11.34 | Fully Amortized | 6.750 | XXXX | 9.75 | 10.93 | 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 C | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) |
| 163236 | 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 | 6.7500 | XXXX | 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 | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 253.25 | (No Data) | (No Data) | (No Data) | 5.83 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 58 | 82000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Missing | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 805 | 810 | 0 | XXXX | (No Data) | 808 | 0 | -3487.78 | 0 | 0 | 3487.78 | 0 | 257232.78 | 185039.75 | 185039.75 | XXXXXX | 52351.55 | 15.01 | 15.01 | Fully Amortized | 6.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163927 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 120.88 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 400 | 21000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 776 | 768 | 0 | XXXX | (No Data) | 797 | 0 | -1613.35 | 0 | 0 | 1613.35 | 0 | 114671.07 | 114671.07 | 114671.07 | XXXXXX | 77772.85 | 48.21 | 48.21 | Fully Amortized | 8.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 163243 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.25 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 527 | 12000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 795 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 793 | 0 | -2657.56 | 0 | 0 | 2657.56 | 0 | 134203.49 | 134203.49 | 134203.49 | XXXXXX | 27044.06 | 10.18 | 10.18 | Fully Amortized | 6.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163930 | 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 | 8.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 235.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 120 | 75000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 786 | 791 | 0 | XXXX | (No Data) | 789 | 0 | -4328.72 | 0 | 0 | 4328.72 | 0 | 144362.32 | 144362.32 | 144362.32 | XXXXXX | 60705.64 | 14.02 | 14.02 | Fully Amortized | 8.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163907 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 192.63 | (No Data) | (No Data) | (No Data) | 243.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 420 | 50000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 772 | 779 | 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 | XXXX | (No Data) | 775 | 0 | -1472.97 | 0 | 0 | 1472.97 | 0 | 130142.03 | 130142.03 | 130142.03 | XXXXXX | 130142.03 | 88.35 | 88.35 | Fully Amortized | 6.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163926 | 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 | 7.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 77.81 | 77.81 | 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 | 218.58 | (No Data) | (No Data) | (No Data) | 42.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 231 | 21000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 802 | 774 | 0 | XXXX | (No Data) | 783 | 0 | -3018.9 | 0 | 0 | 3018.9 | 0 | 202574.63 | 202574.63 | 202574.63 | XXXXXX | 77075.95 | 25.53 | 25.53 | Fully Amortized | 7.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163906 | 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 | 8.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% on amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 350.60 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 243 | 61195.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 726 | 684 | 702 | 0 | XXXX | (No Data) | 702 | 0 | -3515.64 | 0 | 0 | 3515.64 | 0 | 91451.01 | 91451.01 | 91451.01 | XXXXXX | 29926.38 | 8.51 | 8.51 | Fully Amortized | 8.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163221 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 172.75 | (No Data) | (No Data) | (No Data) | 81.25 | Present | XXXXXX | 2 | No | Present | XXXXXX | 133 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 717 | 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 | XXXX | (No Data) | 706 | 0 | -4703.01 | 0 | 0 | 4703.01 | 0 | 82667.25 | 82667.25 | 82667.25 | XXXXXX | 7748.6 | 1.65 | 1.65 | Fully Amortized | 8.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163910 | 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 | 6.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 878.42 | (No Data) | (No Data) | 411.92 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 10000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 687 | 694 | 0 | XXXX | (No Data) | 687 | 0 | -5085.28 | 0 | 0 | 5085.28 | 0 | 22420.33 | 22420.33 | 22420.33 | XXXXXX | 22420.33 | 4.41 | 4.41 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 163911 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 91 | 20100.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 731 | 730 | 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 | XXXX | (No Data) | 731 | 0 | -1425.42 | 0 | 0 | 1425.42 | 0 | 41007.32 | 41007.32 | 41007.32 | XXXXXX | 9948 | 6.98 | 6.98 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163919 | 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 | 6.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 208.67 | (No Data) | (No Data) | 0.00 | 1716.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 291 | 15240.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 747 | 761 | 0 | XXXX | (No Data) | 747 | 0 | -9735.47 | 0 | 0 | 9735.47 | 0 | 2207378.17 | 2207378.17 | 2207378.17 | XXXXXX | 1817022.26 | 186.64 | 186.64 | Fully Amortized | 6.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163916 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 164.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 113 | 6000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 638 | 737 | 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 | XXXX | (No Data) | 638 | 0 | -1542.23 | 0 | 0 | 1542.23 | 0 | 7340.78 | 7340.78 | 7340.78 | XXXXXX | 2678.43 | 1.74 | 1.74 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166118 | 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 | 6.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 52.92 | 52.92 | 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 | 97.34 | (No Data) | (No Data) | (No Data) | 463.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 10 | 15015.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 669 | 659 | 0 | XXXX | (No Data) | 665 | 0 | -2058.19 | 0 | 0 | 2058.19 | 0 | 153112.57 | 153112.57 | 153112.57 | XXXXXX | 153112.57 | 74.39 | 74.39 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166121 | 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 | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 118.71 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 322 | 52500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 763 | 771 | 0 | XXXX | (No Data) | 773 | 0 | -3061.87 | 0 | 0 | 3061.87 | 0 | 181980.55 | 181980.55 | 181980.55 | XXXXXX | 109774.79 | 35.85 | 35.85 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 166113 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 132.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 281 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 741 | 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 | XXXX | (No Data) | 751 | 0 | -2264.84 | 0 | 0 | 2264.84 | 0 | 102154.50 | 102154.5 | 102154.5 | XXXXXX | 37416.35 | 16.52 | 16.52 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166506 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 54.25 | (No Data) | (No Data) | (No Data) | 105.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 25000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 817 | 803 | 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 | XXXX | (No Data) | 803 | 0 | -2208.21 | 0 | 0 | 2208.21 | 0 | 461235.46 | 461235.46 | 13249.26 | XXXXXX | 13249.26 | 6 | 6.00 | Fully Amortized | 6.375 | XXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163333 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9900 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 170.03 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 364 | 20000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 711 | 731 | 30546.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 711 | 30546.03 | 16152.92 | 30.53 | 47.12 | 14393.11 | 9324.74 | 549059.64 | 549059.64 | 549059.64 | XXXXXX | 549059.64 | 58.88 | 58.88 | Fully Amortized | 6.990 | XXXX | 30.53 | 47.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) |
| 164027 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 79.38 | 79.38 | 0 | Present | 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 | 414.54 | (No Data) | (No Data) | (No Data) | 744.00 | Present | XXXXXX | 7 | No | Present | XXXXXX | 135 | 10000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 753 | 673 | 128176.00 | 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 | XXXX | (No Data) | 708 | 128176 | 113296.1 | 6.58 | 11.61 | 14879.9 | 8429.58 | 427419.95 | 427419.95 | 427419.95 | XXXXXX | 387345.36 | 45.95 | 45.95 | Fully Amortized | 5.375 | XXXX | 6.58 | 11.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 164018 | 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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 39.40 | 39.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 250.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 286 | 42000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 769 | 766 | 18581.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 807 | 797 | 0 | XXXX | (No Data) | 768 | 18581 | 11512.18 | 26.08 | 38.04 | 7068.82 | 4845.82 | 48363.14 | 48363.14 | 48363.14 | XXXXXX | 48363.14 | 9.98 | 9.98 | Fully Amortized | 3.375 | XXXX | 26.08 | 38.04 | 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 C | C A | A C | C A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 163983 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 112.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 103 | 23000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 707 | 720 | 13629.00 | 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 | XXXX | (No Data) | 707 | 13629 | 7038.15 | 27.41 | 48.36 | 6590.85 | 3735.85 | 186683.20 | 186683.2 | 186683.2 | XXXXXX | 26264.25 | 7.03 | 7.03 | Fully Amortized | 5.625 | XXXX | 27.41 | 48.36 | 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 D C | D A | A D C | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 163998 | 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 | 4.1250 | XXXX | 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 | 66.30 | 66.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 593.85 | (No Data) | (No Data) | 421.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 0 | 0.00 | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 765 | 765 | 0 | XXXX | (No Data) | 765 | 0 | -6565.83 | 0 | 0 | 6565.83 | 0 | 801089.72 | 756839.24 | 756839.24 | XXXXXX | 232892.59 | 35.47 | 35.47 | Fully Amortized | 4.125 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164019 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 161.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 699 | 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 | XXXX | (No Data) | 710 | 0 | -3317.02 | 0 | 0 | 3317.02 | 0 | 215010.68 | 215010.68 | 215010.68 | XXXXXX | 36788.79 | 11.09 | 11.09 | Fully Amortized | 5.249 | XXXX | 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 | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164040 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | 73.78 | 73.78 | 0 | Present | 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 | 79.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 420 | 45392.00 | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 812 | 798 | 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 | XXXX | (No Data) | 802 | 0 | -2966.74 | 0 | 0 | 2966.74 | 0 | 137816.37 | 137816.37 | 137816.37 | XXXXXX | 137816.37 | 46.45 | 46.45 | Fully Amortized | 4.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163328 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 97.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 458 | 78107.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 734 | 737 | 215381.00 | 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 | XXXX | (No Data) | 734 | 215381 | 183840.07 | 3.32 | 14.64 | 31540.93 | 7144.93 | 1123345.26 | 1123345.26 | 1123345.26 | XXXXXX | 1006369.15 | 140.85 | 140.85 | Fully Amortized | 4.999 | XXXX | 3.32 | 14.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 163981 | 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 | 3.9990 | XXXX | 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 66.30 | 66.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 68.68 | (No Data) | (No Data) | (No Data) | 475.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 745 | 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 | XXXX | (No Data) | 745 | 0 | -2997.53 | 0 | 0 | 2997.53 | 0 | 618326.34 | 618326.34 | 618326.34 | XXXXXX | 618326.34 | 206.28 | 742.94 | Fully Indexed, Fully Amortized | (No Data) | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 163696 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No 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 | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 54.86 | 54.86 | 0 | Present | 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 | 115.67 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 276 | 42544.00 | 26 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 642 | 645 | 624 | 10784.90 | 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 | XXXX | (No Data) | 642 | 10784.9 | 6310.64 | 9.08 | 41.49 | 4474.26 | 979.26 | 6235.37 | 6235.37 | 6235.37 | XXXXXX | 6235.37 | 6.37 | 6.37 | Fully Amortized | 8.125 | XXXX | 9.08 | 41.49 | 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 | A | A | A | A | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162404 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 254.45 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 22000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 748 | 733 | 20520.84 | 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 | XXXX | (No Data) | 748 | 20520.84 | 12510.42 | 0 | 39.04 | 8010.42 | 0 | 251741.69 | 251741.69 | 251741.69 | XXXXXX | 155998.64 | 52.95 | 52.95 | Fully Amortized | 7.750 | XXXX | 0 | 39.04 | Full Doc | Yes | Missing | Missing | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 162376 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 260.43 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 22000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 748 | 733 | 20520.84 | 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 | XXXX | (No Data) | 748 | 20520.84 | 12510.42 | 0 | 39.04 | 8010.42 | 0 | 155998.64 | 155998.64 | 155998.64 | XXXXXX | 55142 | 17.78 | 17.78 | Fully Amortized | 7.750 | XXXX | 0 | 39.04 | Full Doc | Yes | Missing | Missing | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 162368 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 159.17 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 48 | 15000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 815 | 806 | 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 | XXXX | (No Data) | 806 | 0 | -4256.81 | 0 | 0 | 4256.81 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.875 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) |
| 162397 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 262.33 | (No Data) | (No Data) | 0.00 | 25.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 270 | 14500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 797 | 769 | 8677.52 | 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 | XXXX | (No Data) | 790 | 8677.52 | 4359.11 | 40.51 | 49.77 | 4318.41 | 3515.41 | 123859.75 | 123859.75 | 123859.75 | XXXXXX | 34604.54 | 9.84 | 9.84 | Fully Amortized | 8.000 | XXXX | 40.51 | 49.77 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162373 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 261.75 | (No Data) | (No Data) | (No Data) | 288.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 138 | 4750.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 790 | 780 | 30331.00 | 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 | XXXX | (No Data) | 780 | 30331 | 24336.98 | 10.29 | 19.76 | 5994.02 | 3122.56 | 297592.80 | 297592.8 | 297592.8 | XXXXXX | 199726 | 63.96 | 63.96 | Fully Amortized | 7.500 | XXXX | 10.29 | 19.76 | Alt Doc/Bank Statement | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162346 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 68.27 | 68.27 | 0 | Present | 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 | 74.50 | (No Data) | (No Data) | (No Data) | 250.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 342 | 175000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 793 | 771 | 0 | XXXX | (No Data) | 785 | 0 | -10031.26 | 0 | 0 | 10031.26 | 7415 | 863092.11 | 431913.1 | 431913.1 | XXXXXX | 301647.14 | 134.35 | 134.35 | Fully Amortized | 7.000 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 162332 | 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 | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 195.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 235 | 25000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 740 | 782 | 54462.76 | XXXX | (No Data) | 776 | 54462.76 | 28406.76 | 18.05 | 47.84 | 26056 | 9831.75 | 303143.87 | 303143.87 | 303143.87 | XXXXXX | 303143.87 | 35.68 | 35.68 | Fully Amortized | 7.750 | XXXX | 18.05 | 47.84 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 162384 | 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 | 7.4900 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 587.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 333 | 23700.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 776 | 727 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 688 | 775 | 67984.79 | XXXX | (No Data) | 750 | 67984.79 | 62079.02 | 7.81 | 8.69 | 5905.77 | 5308.77 | 371568.50 | 371568.5 | 371568.5 | XXXXXX | 249568.5 | 47.01 | 47.01 | Fully Amortized | 7.490 | XXXX | 7.81 | 8.69 | 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 | QM: Safe Harbor (APOR) C | C B A | B C A | C B A | B | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 162388 | 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 | 6.8750 | XXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 230.38 | (No Data) | (No Data) | (No Data) | 100.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 348 | 16500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 760 | 759 | 22708.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 759 | 22708.56 | 12340 | 32.24 | 45.66 | 10368.56 | 7322.13 | 385432.50 | 379337.09 | 365114.45 | XXXXXX | 50818.73 | 6.94 | 6.94 | Fully Amortized | 6.875 | XXXX | 32.24 | 45.66 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | A C | C B A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162331 | 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 | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 56.25 | 56.25 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 496.08 | (No Data) | (No Data) | 150.66 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 204 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 664 | 692 | 0 | XXXX | (No Data) | 692 | 0 | -3274.57 | 0 | 0 | 3274.57 | 0 | 335226.65 | 335226.65 | 335226.65 | XXXXXX | 335226.65 | 102.37 | 102.37 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statement | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162414 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 113.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 727 | 705 | 0 | XXXX | (No Data) | 711 | 0 | -2505.91 | 0 | 0 | 2505.91 | 0 | 211425.91 | 211425.91 | 185386.07 | XXXXXX | 50766.15 | 20.26 | 20.26 | Fully Amortized | 7.375 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162366 | XXXXXX | XXXXXX | XXXXXX | No | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 148.92 | (No Data) | (No Data) | (No Data) | 24.58 | Present | XXXXXX | 2 | No | Present | XXXXXX | 420 | 28700.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 813 | 796 | 8782.98 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 796 | 780 | 10604.55 | XXXX | (No Data) | 790 | 19387.53 | 10454.56 | 33.75 | 46.08 | 8932.97 | 6542.75 | 634003.90 | 634003.9 | 316666.13 | XXXXXX | 406684.84 | 62.16 | 62.16 | Fully Amortized | 7.375 | XXXX | 33.75 | 46.08 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | A | A C | A | A | Business Bank Statements - 12 months | Award Letter - 12 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) |
| 162348 | 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 | 8.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 247.41 | FEMA/NFIP | (No Data) | 63.92 | 555.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 70 | 30000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 727 | 713 | 22243.67 | 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 | XXXX | (No Data) | 713 | 22243.67 | 13611.68 | 36.26 | 38.81 | 8631.99 | 8065.99 | 208348.02 | 208348.02 | 208348.02 | XXXXXX | 32275.62 | 4 | 4.00 | Fully Amortized | 8.500 | XXXX | 36.26 | 38.81 | 12mo. P&L CPA Prepared | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | P & L - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) |
| 162385 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 274.67 | (No Data) | (No Data) | (No Data) | 45.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 120 | 2250.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 656 | 694 | 9923.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 686 | 9923.08 | 5505.92 | 36.97 | 44.51 | 4417.16 | 3668.16 | 153632.63 | 153632.63 | 153632.63 | XXXXXX | 19185.22 | 5.23 | 5.23 | Fully Amortized | 9.000 | XXXX | 36.97 | 44.51 | 12mo. P&L CPA Prepared | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | A D | D B A | A | CPA Letter without Income - 1 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) |
| 162364 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 202.96 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 92 | 24100.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 647 | 677 | 675 | 0 | XXXX | (No Data) | 751 | 0 | -5844.06 | 0 | 0 | 5844.06 | 0 | 21813.08 | 21813.08 | 21813.08 | XXXXXX | 21813.08 | 3.73 | 3.73 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 162349 | 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 | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 1% of amt prepd in 12 mos | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.57 | 75.57 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 124.93 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 329 | 18000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 784 | 782 | 0 | XXXX | (No Data) | 782 | 0 | -1865.63 | 0 | 0 | 1865.63 | 0 | 27239.95 | 27239.95 | 27239.95 | XXXXXX | 27239.95 | 14.6 | 14.60 | Fully Amortized | 7.250 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 162411 | 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 | 8.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 43.65 | 43.65 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.76 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 24 | 24000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 715 | 670 | 0 | XXXX | (No Data) | 670 | 0 | -4240.95 | 0 | 0 | 4240.95 | 0 | 273255.00 | 273255 | 273255 | XXXXXX | 273255 | 113.72 | 113.72 | Fully Amortized | 8.375 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162358 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 345.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 114 | 14000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 772 | 750 | 27472.50 | 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 | XXXX | (No Data) | 769 | 27472.5 | 18690.62 | 26.97 | 31.97 | 8781.88 | 7409.88 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.875 | XXXX | 26.97 | 31.97 | 12mo. P&L CPA Prepared | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | P & L - 12 months | (No Data) | (No Data) | (No Data) |
| 162321 | 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 | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 212.33 | (No Data) | (No Data) | 0.00 | 330.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 219 | 6700.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 653 | 667 | 16124.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 667 | 16124.75 | 8494.74 | 38.09 | 47.32 | 7630.01 | 6142.41 | 579452.17 | 579452.17 | 579452.17 | XXXXXX | 579452.17 | 94.34 | 94.34 | Fully Amortized | 7.625 | XXXX | 38.09 | 47.32 | 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 | QM: Safe Harbor (APOR) D | D B A | B D | D B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162322 | 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 | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.07 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 121 | 20000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 782 | 774 | 9604.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 787 | 797 | 0 | XXXX | (No Data) | 774 | 9604.02 | 4825.5 | 27.11 | 49.76 | 4778.52 | 2603.52 | 166002.21 | 166002.21 | 166002.21 | XXXXXX | 83554.22 | 32.09 | 32.09 | Fully Amortized | 7.250 | XXXX | 27.11 | 49.76 | 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 | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162323 | XXXXXX | XXXXXX | XXXXXX | No | 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 | 6.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.85 | 75.85 | 0 | Present | 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 | 122.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 485 | 500000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 740 | 728 | 59859.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 788 | 774 | 0 | XXXX | (No Data) | 728 | 59859.6 | 31808.9 | 11.42 | 46.86 | 28050.7 | 6838.37 | 861372.14 | 861372.14 | 861372.14 | XXXXXX | 551116.32 | 80.59 | 80.59 | Fully Amortized | 6.750 | XXXX | 11.42 | 46.86 | 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 | QM: Safe Harbor (APOR) D | D B A | A D | D B A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162336 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Full Appraisal | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 388.42 | (No Data) | (No Data) | 0.00 | 150.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 15 | 10500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 768 | 757 | 12087.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 768 | 12087.37 | 6229.67 | 32.32 | 48.46 | 5857.7 | 3906.2 | 244781.47 | 244781.47 | 244781.47 | XXXXXX | 126284.25 | 32.33 | 32.33 | Fully Amortized | 7.500 | XXXX | 32.32 | 48.46 | 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 D | D A | A D | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 162374 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 282.38 | (No Data) | (No Data) | 212.63 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 172 | 23000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 786 | 733 | 15926.58 | 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 | XXXX | (No Data) | 766 | 15926.58 | 8764.72 | 17.85 | 44.97 | 7161.86 | 2842.14 | 140005.66 | 140005.66 | 140005.66 | XXXXXX | 70255.89 | 24.72 | 24.72 | Fully Amortized | 7.250 | XXXX | 17.85 | 44.97 | 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 D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter - 54 months | (No Data) | (No Data) | (No Data) |
| 162365 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | 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 | 70.79 | 70.79 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 41.84 | (No Data) | (No Data) | (No Data) | 360.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 85 | 24000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 693 | 723 | 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 | XXXX | (No Data) | 708 | 0 | -2783.35 | 0 | 0 | 2783.35 | 0 | 264950.49 | 264950.49 | 264950.49 | XXXXXX | 147018.98 | 52.82 | 52.82 | Fully Amortized | 6.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162324 | 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 | 8.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 149.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 120 | 50175.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 719 | 715 | 0 | XXXX | (No Data) | 719 | 0 | -2115.52 | 0 | 0 | 2115.52 | 0 | 28302.47 | 28302.47 | 28302.47 | XXXXXX | 28302.47 | 13.38 | 13.38 | Fully Amortized | 8.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162353 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 29 | 118000.00 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 721 | 750 | 0 | XXXX | (No Data) | 748 | 0 | -2712.74 | 0 | 0 | 2712.74 | 0 | 30928.57 | 30928.57 | 30928.57 | XXXXXX | 30928.57 | 11.4 | 11.40 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 162407 | 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 | 6.6250 | XXXX | 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 |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 175.32 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 23100.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 820 | 819 | 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 | XXXX | (No Data) | 819 | 0 | -3577.84 | 0 | 0 | 3577.84 | 0 | 647133.17 | 485448.34 | 485448.34 | XXXXXX | 265044.05 | 74.08 | 70.13 | Fully Amortized | 6.625 | XXXX | 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 D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162320 | 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 | 7.8750 | XXXX | 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 | Rural | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 46.00 | 46.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 126.53 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 25 | 700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 676 | 661 | 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 | XXXX | (No Data) | 661 | 0 | -968.51 | 0 | 0 | 968.51 | 0 | 102236.58 | 102236.58 | 102236.58 | XXXXXX | 102236.58 | 105.56 | 101.96 | Fully Amortized | 7.875 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162347 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 179.83 | (No Data) | (No Data) | (No Data) | 62.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 10000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 747 | 751 | 39997.00 | 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 | XXXX | (No Data) | 751 | 39997 | 32056.17 | 17.61 | 19.85 | 7940.83 | 7044.83 | 179424.05 | 179424.05 | 179424.05 | XXXXXX | 87011.4 | 12.35 | 12.35 | Fully Amortized | 7.875 | XXXX | 17.61 | 19.85 | 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 | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 162355 | 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 | 6.8750 | XXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 43.00 | (No Data) | (No Data) | 196.83 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 286 | 50000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 720 | 716 | 29594.58 | 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 | XXXX | (No Data) | 720 | 30868.67 | 16964.11 | 31.22 | 45.04 | 13904.56 | 9637.56 | 12154.04 | 12154.04 | 12154.04 | XXXXXX | 12154.04 | 1.26 | 1.26 | Fully Amortized | 6.875 | XXXX | 31.22 | 45.04 | 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 D | A | A D | A | A | Business Tax Return - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) |
| 162338 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 223.86 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 78 | 9800.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 733 | 726 | 83151.61 | 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 | XXXX | (No Data) | 733 | 83151.61 | 75145.99 | 6.78 | 9.63 | 8005.62 | 5638.58 | 259621.53 | 259621.53 | 259621.53 | XXXXXX | 121119.28 | 21.48 | 21.48 | Fully Amortized | 7.875 | XXXX | 6.78 | 9.63 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Business Bank Statements - 24 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 162327 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXX | 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 | Tenant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 174.33 | (No Data) | (No Data) | 52.08 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 133 | 35000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 766 | 775 | 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 | XXXX | (No Data) | 775 | 0 | -1647.69 | 0 | 0 | 1647.69 | 0 | 48809.56 | 48809.56 | 48809.56 | XXXXXX | 13197 | 8.01 | 8.01 | Fully Amortized | 8.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162341 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 240 | 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 | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 134.67 | (No Data) | (No Data) | (No Data) | 84.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 10000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 680 | 683 | 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 | XXXX | (No Data) | 680 | 0 | -1992.37 | 0 | 0 | 1992.37 | 0 | 68693.14 | 68693.14 | 68693.14 | XXXXXX | 1153.21 | 0.58 | 0.58 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162390 | 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 | 8.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.34 | (No Data) | (No Data) | 34.19 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 160 | 16900.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 731 | 720 | 0 | XXXX | (No Data) | 720 | 0 | -5905.54 | 0 | 0 | 5905.54 | 0 | 125826.05 | 125826.05 | 125826.05 | XXXXXX | 52178.14 | 8.84 | 8.84 | Fully Amortized | 8.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162342 | 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 | 7.7500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 209.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 176 | 23000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 794 | 795 | 0 | XXXX | (No Data) | 794 | 0 | -3803.8 | 0 | 0 | 3803.8 | 0 | 108311.93 | 108311.93 | 108311.93 | XXXXXX | 19527 | 5.13 | 5.13 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162391 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 282.53 | (No Data) | (No Data) | 65.23 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 147 | 36749.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 795 | 782 | 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 | XXXX | (No Data) | 795 | 0 | -4532.97 | 0 | 0 | 4532.97 | 0 | 125957.47 | 125957.47 | 125957.47 | XXXXXX | 13985.92 | 3.09 | 3.09 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162356 | 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 | 7.3750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 324.78 | (No Data) | (No Data) | 44.08 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 98 | 7037.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 669 | 719 | 0 | XXXX | (No Data) | 719 | 0 | -4966.53 | 0 | 0 | 4966.53 | 0 | 398107.30 | 398107.3 | 398107.3 | XXXXXX | 291087.89 | 58.61 | 58.61 | Fully Amortized | 7.375 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162400 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 421.48 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 135 | 8000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 593 | 653 | 0 | XXXX | (No Data) | 653 | 0 | -3680.31 | 0 | 0 | 3680.31 | 0 | 143928.98 | 143928.98 | 143928.98 | XXXXXX | 139387.09 | 37.87 | 35.25 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162379 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 334.02 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 48 | 5100.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 629 | 571 | 68792.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 629 | 68792.23 | 63670.45 | 6.57 | 7.45 | 5121.78 | 4516.78 | 186465.78 | 186465.78 | 186465.78 | XXXXXX | 186465.78 | 41.28 | 41.28 | Fully Amortized | 7.375 | XXXX | 6.57 | 7.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 162351 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 70.75 | 70.75 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 375.72 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 10000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 664 | 664 | 30676.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | XXXX | (No Data) | 664 | 30676.55 | 23214.63 | 18.69 | 24.32 | 7461.92 | 5732.92 | 9557.95 | 9557.95 | 9557.95 | XXXXXX | 8851.4 | 1.54 | 1.54 | Fully Amortized | 7.375 | XXXX | 18.69 | 24.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) |
| 162337 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 385.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 379 | 14600.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 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 | XXXX | (No Data) | 749 | 0 | -4997.85 | 0 | 0 | 4997.85 | 0 | 259366.80 | 259366.8 | 259366.8 | XXXXXX | 259366.8 | 51.9 | 51.90 | Fully Amortized | 7.625 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 162345 | 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 | 7.5000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 153.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 176 | 52138.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 681 | 667 | 0 | XXXX | (No Data) | 667 | 0 | -1844.14 | 0 | 0 | 1844.14 | 0 | 7946.62 | 7946.62 | 7946.62 | XXXXXX | 7946.62 | 4.31 | 4.31 | Fully Amortized | 7.500 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162357 | 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 | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No 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 | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 125.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 23200.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 711 | 749 | 0 | XXXX | (No Data) | 730 | 0 | -5695.67 | 0 | 0 | 5695.67 | 0 | 227368.95 | 227368.95 | 227368.95 | XXXXXX | 85655.27 | 15.04 | 15.04 | Fully Amortized | 7.750 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162401 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (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 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 2%, 1% of UPB in year 1,2 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 50.99 | (No Data) | (No Data) | (No Data) | 377.67 | Present | XXXXXX | 1 | No | Present | XXXXXX | 210 | 50000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 749 | 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 | XXXX | (No Data) | 793 | 0 | -16044.89 | 0 | 0 | 16044.89 | 2390.74 | 188974.14 | 188974.14 | 188974.14 | XXXXXX | 188974.14 | 86.46 | 86.46 | Fully Amortized | 7.000 | XXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) |
| 163214 | 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 | 8.2500 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 349.76 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 49000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 754 | 777 | 0 | XXXX | (No Data) | 777 | 0 | -2574.65 | 0 | 0 | 2574.65 | 0 | 230676.54 | 230676.54 | 230676.54 | XXXXXX | 185155.14 | 71.91 | 71.91 | Fully Amortized | 8.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163240 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 205.75 | (No Data) | (No Data) | 525.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 181 | 12000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 798 | 788 | 0 | XXXX | (No Data) | 806 | 0 | -2551.51 | 0 | 0 | 2551.51 | 0 | 154090.72 | 154090.72 | 154090.72 | XXXXXX | 81167.27 | 31.81 | 29.64 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 163186 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXX | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 213.43 | (No Data) | (No Data) | 386.58 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 183 | 12000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 798 | 788 | 0 | XXXX | (No Data) | 806 | 0 | -2403.89 | 0 | 0 | 2403.89 | 0 | 153049.80 | 153049.8 | 153049.8 | XXXXXX | 80654.93 | 33.55 | 31.13 | Fully Amortized | 7.250 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 163195 | 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 | 8.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 250.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 172 | 21300.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 761 | 737 | 0 | XXXX | (No Data) | 760 | 0 | -3980.57 | 0 | 0 | 3980.57 | 0 | 274787.21 | 244098.75 | 244098.75 | XXXXXX | 150208.94 | 37.74 | 37.74 | Fully Amortized | 8.000 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163165 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 169.42 | (No Data) | (No Data) | 0.00 | 440.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 285 | 25700.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | XXXX | (No Data) | 764 | 0 | -1872.22 | 0 | 0 | 1872.22 | 0 | 98854.45 | 98854.45 | 98854.45 | XXXXXX | 48393.04 | 25.85 | 25.85 | Fully Amortized | 7.000 | XXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 7**

**Valuations Summary**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loans In Report: | 133 | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |
| Loans In Report: | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **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** | **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 (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 164315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.97% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 164109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.59% | 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% | 2.9 |
| 164318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 164319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 164320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 164321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.82% | XXXXXX | 6.000 | 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% | 1 |
| 164322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 164064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.86% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 163230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 163941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 164063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 163175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 163187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 163915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 163229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 163224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 163932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 163170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.75% | XXXXXX | 6.000 | 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% | 3.1 |
| 163222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 163241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 163200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 163928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 163909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 |
| 163903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 163202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -7.13% | XXXXXX | 6.000 | 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) |
| 163918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 163208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 163902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 163935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 163233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 163210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 163219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 163220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 163193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -9.64% | 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% | 1.1 |
| 163236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 163910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 163911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.21% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 163916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 166118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 166121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 166113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 163333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -66.07% | XXXXXX | 5.000 | 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% | XXXXXX | XXXXXX | XXXXXX | -14.82% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 164018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -11.55% | 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) |
| 163983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 6.00% | 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) |
| 163998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 8.90% | 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) |
| 164019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -6.35% | XXXXXX | 9.000 | 91.00 | 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) |
| 164040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.64% | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.49% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 11.63% | 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) |
| 163696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 162404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 162373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 162346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 162331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 162414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 162366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 162385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 162364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 162349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 162411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 162321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 162322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 162323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 162336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.49% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.49% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 162374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 162365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 162353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.79% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 162355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.28% | 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% | 1 |
| 162338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 162391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.60% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 162351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 162337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -6.10% | 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) |
| 162401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 163195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.83% | XXXXXX | 1.000 | 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% | 2.8 |
| 163165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 8**

**Waived Conditions Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL4033 | Missing Legal Document(s) | 1 |
| Credit | Legal Documents | CRDLGL984 | Legal Documents Are Executed by an Entity or Non- Natural Person | 1 |
| Credit | Terms/Guidelines | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER2548 | Missing AUS or AUS errors present | 2 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 2 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH123 | No evidence of required debt payoff | 2 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 2 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Application | CRDAPP130 | Application is incomplete | 1 |
| Credit | Assets | CRDAST205 | Insufficient Funds to Close | 2 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST2304 | Unverified Assets | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 4 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | 1 |
| Compliance | Repayment Ability | CMPSTRA1497 | File does not contain a repayment ability worksheet | 1 |
| Compliance | RESPA | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | 1 |
| **Total** |  |  |  | **34** |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of PRP-Annex VI AIV, LLC (the "Client"). The review included a total of 273 residential mortgage loans, in connection with the securitization identified as PRPM 2026-NQM1 (the "Securitization"). The Review was conducted from January 2022 through December 2025 on mortgage loans originated between October 2021 and December 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Clients prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the application
 date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and
 properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Clients or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate, and
 consistent with other documents; Confirm collateral documents have been recorded or sent
 for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition or
 better, or property requires cosmetic improvements (as defined by the appraiser) that do
 not affect habitability. Should an area of concern be identified with the condition of the
 property, Consolidated Analytics will alert Clients.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on an "as
 is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
 indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and reliable
 value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Clients.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the appraisal
 LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional
 valuation product was obtained to confirm value was supported within 10% tolerance. In some
 instances, based on guidance from the seller, CDA's were ordered on loans that had
 an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (273 loans in total):

Five (5) loans had a Secondary Appraisal, one (1) loan had AVMs, and ninety-four (94) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

One (1) loan had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

**Product totals may not sum due to multiple products for each loan.**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred seventy-three (273) mortgage loans reviewed, two hundred two (202) unique mortgage loans (73.99% by loan count) had a total of four hundred six (406) tape discrepancies across forty-six (46) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;133 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;100 | &nbsp;&nbsp;24.63% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;4.19% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.48% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Cash Out Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Pricing Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Originator DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**406** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 247 | $95706665.00 | 90.48% |
| Event Grade B | 26 | $10408036.00 | 9.52% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 273 | $106114701.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 255 | 93.41% |
| Event Grade B | 18 | 6.59% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 273 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 78 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 78 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 78 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 189 | 96.92% |
| Event Grade B | 6 | 3.08% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 195 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 269 | 98.53% |
| Event Grade B | 4 | 1.47% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 273 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;184 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;4 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Note Address Does Not Match Deed of Trust Address | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing AUS Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Award Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Separation Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Application Profile Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 3 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***303*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds AUS LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds AUS HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds AUS CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 3 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Product Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 3 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***41*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;131 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Prohibited Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing evidence of a required disclosure at application. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Waiting Period Required Finding | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Initial Closing Disclosure Date and Funding Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA APR Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Note terms are incorrect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA Rescission Finance Charge Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NY Subprime Home Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Rescission Total of Payments Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing evidence required disclosure provided at closing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***267*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;169 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***178*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property or house size is outside of guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Clients/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Clients review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 164155 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164186 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 164185 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164185 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per income documents |
| 164151 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX Per Initial 1003 |
| 164150 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX incluisve of HOA fees |
| 164149 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164171 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX inclusive of taxes and insurance |
| 164171 | XXXXX |  | Monthly Insurance | XXX | XXX | XXX and taxes must be reported even if there are no escrows present |
| 164171 | XXXXX |  | Monthly Taxes | XXX | XXX | XXX and taxes must be reported even if there are no escrows present |
| 164170 | XXXXX |  | P&I | XXX | XXX | P&I is XXX per note |
| 164143 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 164140 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Second job is self employment |
| 164140 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164140 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt and income |
| 164168 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 |
| 164166 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Borrower 1 Last Name is XXXXX. |
| 164166 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 164166 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. Audit was unable to determine that the XXX Credit account was paid before closing. Lender did not include this account. |
| 164165 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 Self-Employment Flag. Borrower 1 is XXX. However, the Final 1003 was not marked as XXX. |
| 164165 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 164165 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. |
| 164131 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 164183 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164183 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender excluded less deposits then audit. |
| 164122 | XXXXX |  | Property City | XXX | XXX | Per note. |
| 164122 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 164122 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI matches loan approval. |
| 164163 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 164163 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. The lender calculated the bank Statements with XXX months Statements. However, the file did not include bank Statement for XXX/XXX. The Audited income was lower. |
| 164181 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 164181 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to lender not included HOA monthly payment of XXX |
| 164161 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 164159 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 164159 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per Appraisal provided. |
| 164159 | XXXXX |  | Qualifying LTV | XXX | XXX | Per Appraisal provided. |
| 164180 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | verified by the initial 1003. |
| 164180 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 164157 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 164157 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 164179 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164177 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Verified by the borrower's ID. |
| 164177 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 164175 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164193 | XXXXX |  | Borrower 2 Last Name | XXXXX | XXXXX | Note |
| 164193 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 |
| 164193 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Rental income was rounded, actual figures input. |
| 164173 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. Within tolerance. |
| 164123 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 164123 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations |
| 164206 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial 1003 |
| 164245 | XXXXX |  | Borrower 2 Last Name | XXXXX | XXXXX | Verified to note and b2 Id |
| 164245 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164245 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 164204 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164204 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 164441 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial 1003 Loan Originator signature date. |
| 164203 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX confirmed using initial loan application |
| 164244 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 164244 | XXXXX |  | Monthly Insurance | XXX | XXX | Insurance is XXX |
| 164359 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164359 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164201 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 164201 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with bank Statements provided for income verification and credit report. Lender added XXX to All Other Monthly payments. Audit is unable to identify the source of these payments. |
| 164200 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164200 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 164242 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX Per Initial 1003. |
| 164241 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 164241 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with Income documentation and credit report. Income and consumer debts match the Final 1003. |
| 164240 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164240 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164461 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164462 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | verified with initial a1003 |
| 164197 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164197 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164446 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified initial XXX of XX/XX/XXXX with the LO signature on the initial 1003 |
| 164446 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified DTI of XXX% from the income and credit information. |
| 164209 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX is verified with initial 1003 |
| 164215 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164215 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164208 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164525 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164525 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt |
| 164207 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164207 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per Real EState Tax and income calculations |
| 164466 | XXXXX |  | Property Value | XXX | XXX | Verified to appraised value vs. Purchase price. |
| 164466 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164467 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per CD and 1003 |
| 164467 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164444 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial 1003 is dated XX/XX/XXXX |
| 164468 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164445 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164508 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164136 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164136 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per final CD |
| 164136 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164292 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified to final CD |
| 164292 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164292 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 164292 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164293 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164507 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164448 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164449 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164449 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164450 | XXXXX |  | Number of Borrowers | XXX | XXX | per note |
| 164450 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| 164450 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and inc calculations |
| 164443 | XXXXX |  | Borrower 2 Last Name | XXXXX | XXXXX | Per note |
| 164443 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164443 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164451 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 dated XX/XX/XXXX |
| 164401 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 164401 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 164453 | XXXXX |  | Borrower 1 First Name | XXX | XXX | This is the same. Tape is in Caps |
| 164453 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial 1003 is dated XX/XX/XXXX |
| 164295 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income calculation is lower. Two large deposits in June XXX not sourced. |
| 164296 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164296 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | per loan approval |
| 164296 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164454 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164297 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164297 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164298 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 164499 | XXXXX |  | Number of Borrowers | XXX | XXX | Per note |
| 164499 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164499 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164499 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164455 | XXXXX |  | Number of Borrowers | XXX | XXX | per note |
| 164455 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164455 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164402 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164402 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164456 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Purchase of N/O SFR with Business Affidavit in file. |
| 164456 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI variance is due to Lender using XXX% of market rents vs XXX% |
| 164405 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164528 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per Note |
| 164528 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164519 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 164519 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164519 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to departure residence 2nd lien P&I payment is higher. |
| 164458 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164458 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164459 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Subject property is an Investment property. |
| 164459 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Missing primary housing expenses documentation. Audit unable to determine correct DTI. |
| 164406 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164406 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164524 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per Insurance calculation |
| 164214 | XXXXX |  | Number of Borrowers | XXX | XXX | per note |
| 164214 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164214 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164299 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164301 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 164375 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | per loan approval |
| 164375 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164407 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX insurance + XXX tax + XXX HOA= XXX PITIA |
| 164377 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164379 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 164536 | XXXXX |  | Number of Borrowers | XXX | XXX | Per Note |
| 164536 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164536 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164409 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164409 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164380 | XXXXX |  | Number of Borrowers | XXX | XXX | Per Note |
| 164380 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164533 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164533 | XXXXX |  | Property Type | XXX | XXX | Per appraisal |
| 164410 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164410 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164411 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial 1003 is dated XX/XX/XXXX |
| 164264 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164264 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts vs income |
| 164382 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164382 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 164276 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164383 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164383 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI lower due to P&I for subject property is lower. |
| 164516 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164516 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| 164412 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164384 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164384 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| 164384 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income. |
| 164413 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164413 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per income and debts |
| 164415 | XXXXX |  | Number of Borrowers | XXX | XXX | Per Note |
| 164415 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164415 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 164129 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Per note |
| 164129 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164129 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164386 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX P&I |
| 164386 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 164386 | XXXXX |  | Monthly Insurance | XXX | XXX | Insurance is XXX |
| 164345 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164387 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164387 | XXXXX |  | Property Type | XXX | XXX | Per appraisal |
| 164527 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Note date is XX/XX/XXXX |
| 164130 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 Originator signature date |
| 164130 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per Income and Debt documentation. XXX% less than XXX% XXX and Loan Approval DTI due to XXX difference in credit liabilities that Lender qualified with and audit is unable to locate the source. |
| 164324 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 164324 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is XXX |
| 164324 | XXXXX |  | Property Type | XXX | XXX | XXX with accessory unit |
| 164279 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 164389 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164390 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI sightly higher due to borrower's income is lower. |
| 164280 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per employment data |
| 164280 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164280 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164280 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164346 | XXXXX |  | Loan Purpose | XXX | XXX | Refi no cash out |
| 164346 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164346 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is XXX |
| 164391 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164391 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164498 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial 1003 is XXX/XXX/XXX. |
| 164498 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Closing Settlement date per CD is XXX/XXX/XXX. |
| 164498 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI is XXX% due to Heloc payment on XXX property per Credit Supp is XXX lender used XXX and subject property Tax Calc XXX \* XXX %= XXX /XXX = XXX lender used $XXX. |
| 164266 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164266 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Borrower's signature and notary date on the DOT confirms loan closed XXX/XXX/XXX. |
| 164266 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income. Income calculation is lower due to deductions. |
| 164393 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164281 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164281 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | per loan approval |
| 164395 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 164360 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164347 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial 1003 |
| 164347 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified to CD |
| 164325 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164284 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164284 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164284 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164285 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164511 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164511 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income. Income calculation is lower due to deduction and used XXX% for XXX monthly payments. |
| 164253 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164253 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to consumer monthly debt is higher. |
| 164286 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Intial 1003 |
| 164286 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164254 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164254 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164268 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164326 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164287 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164287 | XXXXX |  | Qualifying CLTV | XXX | XXX | per appraisal value rounded |
| 164287 | XXXXX |  | Qualifying LTV | XXX | XXX | per appraisal value rounded |
| 164287 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per income and debts |
| 164348 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164120 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164505 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects SFR and XXX URAR provided. |
| 164505 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI lower due to consumer debt. |
| 164327 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164327 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is XXX |
| 164327 | XXXXX |  | Interest Only Term | XXX | XXX | Note indicates XXX of XXX |
| 164255 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164506 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Per note |
| 164506 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164506 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164506 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164269 | XXXXX |  | Number of Borrowers | XXX | XXX | Per Note |
| 164269 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164269 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164269 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164329 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164256 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164256 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164338 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164338 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| 164338 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164339 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 164339 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164339 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164257 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164350 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 164118 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164258 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164330 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Per note |
| 164330 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164330 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164330 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per appraisal vs XXX |
| 164330 | XXXXX |  | Qualifying LTV | XXX | XXX | Per appraisal vs XXX |
| 164330 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164305 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164340 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164340 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164270 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per final CD |
| 164270 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI is XXX due to consumer debts totaling XXX |
| 164271 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164271 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164274 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164274 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164127 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164259 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164259 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt and XXX |
| 164260 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial 1003 |
| 164492 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164492 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 164492 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 164306 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 164306 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164306 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 164342 | XXXXX |  | Property Value | XXX | XXX | Confirmed with Appraisal Report. |
| 164342 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with Income documentation and Credit Report. Audit added Solar lease and monthly consumer debts match credit report. |
| 164343 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164331 | XXXXX |  | P&I | XXX | XXX | P&I is XXX |
| 164337 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164275 | XXXXX |  | Loan Product Type | XXX | XXX | Per note |
| 164344 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164335 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164335 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164509 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164509 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164509 | XXXXX |  | Property Type | XXX | XXX | Per Deed |
| 164509 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164307 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164308 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | The Final CD confirms the XXX of XXX. |
| 164308 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial 1003 confirms the loan Originator signature date of XXX as the app date. |
| 164308 | XXXXX |  | Property Type | XXX | XXX | The appraisal confirms the subject property is a XXX PUD. |
| 164308 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit has confirm DTI thru verifying the income and debts which match the XXX |
| 164309 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164309 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| 164309 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164310 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 164310 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is XXX |
| 164495 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 164495 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income. DTI differs due to New home build - Taxes used derived from appraisal for new updated tax amount. Lender used taxes from just land. |
| 164311 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164510 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | ATR/QM Exempt N/O refinance, Non-QM bank Statement income used to qualify. |
| 164304 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164304 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164312 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial loan application confirms the loan Originator signature date is app date. |
| 164473 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cash Out |
| 164473 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Income and liabilities |
| 164191 | XXXXX |  | Property Type | XXX | XXX | True Data Value captured from the appraisal. |
| 164191 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | True Data value calculated from loan documents. |
| 164191 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | True Data value calculated from income minus debts. |
| 164191 | XXXXX |  | Underwriting Guideline Name | XXX | XXX | True Data value captured matrix |
| 164472 | XXXXX |  | Qualifying FICO | XXX | XXX | Mid score for 3rd borrower is XXX and is in file, unsure why its not picking it up |
| 164472 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per Cash out and Assets in file |
| 164472 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Income less expenses |
| 164190 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | initial 1003 |
| 164190 | XXXXX |  | Verified Doc Type | XXX | XXX | calculated income with XXX months bank Statements |
| 164190 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | system calculated |
| 164189 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per LO signature initial 1003 |
| 164189 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets |
| 164189 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| 164323 | XXXXX |  | Property Address | XXX | XXX | Per the Note |
| 164323 | XXXXX |  | ULI | XXX | XXX | Per the Final 1003 |
| 164323 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 |
| 164323 | XXXXX |  | Property Type | XXX | XXX | Per the appraisal |
| 164323 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per the Provided assets |
| 164323 | XXXXX |  | Prepayment Penalty | XXX | XXX | Per the Note and Final CD. |
| 164323 | XXXXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Per the Income and liabilities |
| 164489 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 164489 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 164489 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 164489 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |
| 164526 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 164526 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 164526 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit excluded authorized user account |
| 164526 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |
| 164288 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 164288 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |
| 164291 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 164291 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 164291 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 164291 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |
| 164490 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Due to primary omitted tax information |
| 164490 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |
| 164539 | XXXXX |  | Qualifying CLTV | XXX | XXX | Matches XXX |
| 164539 | XXXXX |  | Qualifying LTV | XXX | XXX | Matches XXX |
| 164539 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Matches XXX |
| 164539 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Cash out + Asset documentaton |
| 162367 | XXXXX |  | Property Value | XXX | XXX | Appraisal value $XXX; purchase price is XXX |
| 162367 | XXXXX |  | Escrow Flag | XXX | XXX | Property is escrowed per CD. |
| 162343 | XXXXX |  | Property Address | XXX | XXX | Audit data and tape data match except for capitalization. |
| 162343 | XXXXX |  | Originator DTI | XXX | XXX | Per final XXX DTI was XXX%. Difference is due to B1's employment income. Calculated XXX per month. vs XXX per month. Client used wrong base earnings in calculation. |
| 162412 | XXXXX |  | Cash Out Amount | $XXX | $XXX | Per final CD, borrower did not receive cash out at closing. |
| 162412 | XXXXX |  | Subject Property Type | XXX | XXX | Subject property is XXX units per appraisal. |
| 162329 | XXXXX |  | Qualifying FICO | XXX | XXX | Lowest middle score of two borrowers per credit report in file. |
| 162329 | XXXXX |  | Property Attachment Type | XXX | XXX | Property is semi-XXX per appraisal. |
| 162329 | XXXXX |  | Subject Property Type | XXX | XXX | XXX confirmed using appraisal. |
| 162329 | XXXXX |  | Cash Out Amount | $XXX | $XXX | Borrowers paid off a UCC lien at closing, resulting in total cash out of $XXX. |
| 162409 | XXXXX |  | Pricing Doc Type | XXX | XXX | Transaction is BankStatements12MoBusiness |
| 162408 | XXXXX |  | Qualifying FICO | XXX | XXX | Audit FICO is the lowest middle score of both borrowers. The co-borrower had a XXX FICO and the borrower had a XXX FICO. |
| 162408 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used a slightly lower income for the borrower. The income calculation worksheet in file showed the lender used monthly deposits for XXX This bank Statement was not located in file. Audit used the monthly deposits from the XXX Statement instead. |
| 160678 |  |  | Interest Rate | XXX | XXX | Per Note |
| 160678 |  |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 160678 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 160678 |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt and XXX |
| 165811 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 165823 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the 1003. |
| 165823 |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 165821 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX verified by Application |
| 165821 |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | Tape Date reflects XXX Property expenses in DTI. True Data XXX removes them as property was sold prior to closing per CD in file |
| 165817 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 165817 |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% per audit. Lender's other liabilities are greater by $XXX. The credit report and Final 1003 are consistent. UTD the XXX difference. DTI does not exceed GL limit. |
| 162330 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 164188 | XXXXX |  | Loan Program | XXX | XXX | Per approval |
| 164188 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 164188 | XXXXX |  | Originator Doc Type | XXX | XXX | Per approval |
| 164188 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 164188 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 164188 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| 164188 | XXXXX |  | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit docs |
| 164188 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 164155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Lender GLs (Section XXX) require a borrower signed XXX-C. This form has not been provided. | Document Uploaded. XXX. | 04/18/2025 | Borrower 1 Executed XXX-T Provided; A XXX-C form signed by the borrower was received. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender GLs (Section XXX) require the most recent XXX-month housing history. No VOM or payment history has been provided for the current mortgage against the subject property that is being paid off. | Please re-review\*\*The file was supposed to close on XXX of XXX but in the last minute the borrower had to provide more documentation, and the loan did not close until XXX. This is a Grade A loan which allows for XXX. ; Document Uploaded. The XXX bank Statements have the highlighted mortgage payment showing being paid via check I have highlighted them all in yellow, XXX payments are completely there starting from XX/XX/XXXX thru XX/XX/XXXX | 04/07/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Change of circumstance (COCs) in file verify extension of XXX past XXX XXX final CD indicates interest credit paid thru XXX. ; Received bank Statements verifying XXX months mortgage payments from XXX XXX thru XXX XXX Subject loan closed XX/XX/XXXX, missing XXX XXX mortgage payment to ensure borrower's mortgage payment history of XXX at time of loan closing. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 02/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. Hi, it's on pages XXX - XXX | 03/10/2025 | Homeownership Counseling Disclosure Is Present or XXX | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation required: Missing final page of the Final CD. Please remit. | Document Uploaded. | 02/11/2025 | TRID: Final Closing Disclosure Provided | 02/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 164153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The transaction is from a XXX to XXX. | Document Uploaded. | 02/12/2025 | Received payoff indicating loan was not in foreclosure. | 02/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 164153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 164153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 164153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 164151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 02/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 02/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A VOM was not found for the second investment property listed on the Final 1003. | Document Uploaded. Property was refinanced under business XXX. We do not get ratings for commercial loans | 02/18/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 02/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/05/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/05/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the CD dated XXX and no COC was found in the file explaining the reason for why the fee was added. Please provide a Valid COC or Cure Package. | Document Uploaded. ; Document Uploaded. | 03/05/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The COC provided was for the credit report fee, however the tolerance violation was due to the discount points increasing which appear to be due to rate lock expiration however no documentation in file was provided to confirm the date the rate was extended or relocked. Provide a valid COC for the increase in discount points | 03/05/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender DTI XXX% Audit DTI XXX%. The Lender used income of XXX for a second job which was based on the XXX month bank Statements ending (account ending in XXX.) However, the months from XXX XXX to XXX XXX were not found in the loan file so the Audit income for the second job is $XXX. The Lender XXX reflects the primary housing expense as XXX the actual expense based on the most recent HELOC and 1st mortgage Statements is $$XXX. Additionally, the XXX did not capture the open consumer debt of XXX per month. | Documents uploaded to finding code XXX; Document Uploaded. Bank stmts XXX to XXX XXX, the XXX mos bank stmts that were provided shows that son makes XXX XXX loan which is XXX. | 03/21/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; All Bank Statements received.; Condition remains- Missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 04/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk Borrower is XXX and Income Calculator is reflecting with the XXX months bank Statement for the XXX #XX/XX/XXXX, however XXX XXX to XXX XXX Statements are missing in the file. | Documents uploaded to finding code XXX; Document Uploaded. ; Document Uploaded. | 03/21/2025 | ATR Risk Resolved; All Bank Statements received. ; ATR Risk Resolved; ATR Risk Condition remains- Missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job.; ; Received bank Statements from XX/XX/XXXX thru XX/XX/XXXX, missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job. Condition remains. | 04/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered Lender DTI XXX% Audit DTI XXX%. The Lender used income of XXX for a second job which was based on the XXX month bank Statements ending (account ending in XXX.) However, the months from XXX XXX to XXX XXX were not found in the loan file so the Audit income for the second job is $XXX. The Lender XXX reflects the primary housing expense as XXX the actual expense based on the most recent HELOC and 1st mortgage Statements is $$XXX. Additionally, the XXX did not capture the open consumer debt of XXX per month. | Documents uploaded to finding code XXX; Document Uploaded. | 03/21/2025 | ATR: XXX Income or Assets Was Considered; All Bank Statements received. ; Condition remains- Missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job. | 04/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Need updated XXX to reflect: The Lender XXX reflects the primary housing expense as XXX the actual expense based on the most recent HELOC and 1st mortgage Statements is $$XXX. Additionally, the XXX did not capture the open consumer debt of XXX per month. | Documents uploaded to finding code XXX | 03/21/2025 | Approval/Underwriting Summary is fully present; Approval/Underwriting Summary Partially Provided. Need updated XXX with the open consumer debt of XXX per month.; Approval/Underwriting Summary Partially Provided. Need updated XXX with the open consumer debt of XXX per month. | 04/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the Appraisal Fee on the CD dated XXX and the increase in Discount Points on the CD dated XXX and XXX. A valid COC was not found in the file explaining the reasons for the increase in fees. Please provide a Valid COC or Cure Package. | Document Uploaded. ; Document Uploaded. | 04/02/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Updated cure amount to XXX the Zero tolerance violation is due to the increase in the Appraisal Fee on the CD dated XXX ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | The bank Statements from XXX XXX through XXX XXX used for the income of the second job listed on the Final 1003, were not found in the loan file. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 03/21/2025 | All bank Statements received. ; Condition remains- Missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job. ; Received bank Statements from XX/XX/XXXX thru XX/XX/XXXX, missing bank Statements from XXX XXX thru XXX XXX to validate income used for second job. Condition remains. | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164166 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164166 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164166 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCOM3715 | Compliance | Note terms are incorrect | Note is XXX of XXX @XXX% for XXX months, this calculates to XXX monthly. Note reflects XXX of XXX% for XXX payments and P&I of $XXX. Final CD reflects correct P&I | Document Uploaded. You are right. My apology. I was looking at the wrong section. This benefits the borrower. Please see XXX corrected payment documents.; Document Uploaded. Hi, can you please advise what pages you are looking at? The Final CD has the same payment as the Note.; Document Uploaded. Hi, not sure where you are seeing that the Note with XXX% Rate. The rate on the Note is XXX%. | 03/04/2025 | Received corrected note.; On the CD snip you sent, please see the Projected payments section. Years XX/XX/XXXX P&I XXX I have run through several P&I calculators and programs. If Loan of XXX is at XXX% with P&I of XXX the term is XXX months. If XXX @ XXX% for XXX months, P&I is $XXX..; Note rate is XXX%. If loan XXX with XXX% and XXX payment (as printed on note), the term would be XXX months. XXX @ XXX% for XXX months, P&I is XXX (as is reflected on the final CD). P&I on note does not match terms of note. | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164166 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE1169 | Credit | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX The dates are correct. | Document Uploaded. Hi, loan did not fund until XX/XX/XXXX. Please see PCCD with interest collected on XX/XX/XXXX. | 03/04/2025 | Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided; Post close CD with disbursement date of XX/XX/XXXX received. | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 does not include the name, address and telephone number for the employer. Additionally, the Final 1003 reflects that the Borrower owned a home XXX months prior to the subject transaction but the declarations section no home ownership in the last three years. | Document Uploaded. | 03/11/2025 | The Final 1003 is Present; The Final 1003 is Incomplete; 1003 received. | 03/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The XXX XXX Bank Statement ending in XXX was not found in the loan file. | Document Uploaded. | 03/18/2025 | XXX XXX business bank Statement provided and reviewed, condition resolved. | 03/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Missing HO-6 Insurance Policy. | Document Uploaded. | 03/13/2025 | HO-6 Insurance Policy is fully present | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/20/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/20/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry on XX/XX/XXXX and two credit inquiries on XX/XX/XXXX. The Lender guidelines States; Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file for the above mentioned credit inquiries. | Document Uploaded. | 03/19/2025 | Satisfactory LOE for inquiries provided, condition resolved. | 03/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The loan file includes a Gift Letter (page XXX) from the Fiance of the Borrower for XXX Section L of the CD reflects a gift of XXX and a credit of XXX for funds to close. The gift exceeds the amount listed in the gift letter and the credit for XXX for funds to close does not identify who or where the money is coming from. Additionally, there is no evidence of the gift funds from the XXX in the loan file. The Gift Letter States that the funds are from an account ending in XXX but the only information about the funds is that the are listed on the CD and the file has confirmation of the wires (pages XXX). | Document Uploaded. | 03/17/2025 | ; GIft letter LOE | 03/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Per GL account Statements should cover most recent XXX day period. Need updated Bank Statements | Document Uploaded. | 05/08/2025 | Asset Record XXX Meets G/L Requirements; Bank Statement dated within XXX days of the note date was received. | 05/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 03/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 04/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.86% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.86% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.86% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.86% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.86% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.86% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164206 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Income qualified with Alt-Doc XXX months Bank Statements; XXX XXX Statement is missing to support qualifying income | Document Uploaded. Hi, please see XXX. | 05/13/2025 | Income and Employment Meet Guidelines; XX/XX/XXXX business bank Statement provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164206 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164206 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The Credit Report for Borrower 1 is dated XX/XX/XXXX and includes two inquires dated XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. | 05/12/2025 | Per lender, the inquiry on XX/XX/XXXX is the submitting broker. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164204 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title list an additional lien. The lien holder of the UCC filing States that they will automatically refile in XXX days. The Document is dated XX/XX/XXXX. | Document Uploaded. | 05/23/2025 | Property Title Issue Resolved; Final title policy provided showing XXX for XXX financed by the borrower removed from title. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164204 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164204 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. ; Recording fees were ultimately lowered as shown on PCCD and recorded DOT-- cure not required, thank you!; Document Uploaded. | 05/29/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved; The file did not contain a PCCD, the last CD dated in file was XX/XX/XXXX which shows a recording fee of XXX Please provide PCCD for review; COC received and was deemed invalid since it did not detail a valid reason for the Recording Fee increase. Please provide a tolerance cure for $XXX. | 05/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164204 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property issues. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | 07/25/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of mortgage for XXX months from XXX for the 1st and 2nd mortgages on the subject property was received. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164203 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per Guidelines, the Borrowers must have a housing history of no greater than XXX late payments in the last XXX XXX months. The existing mortgage is not reported on the credit report, and the transaction histories provided cover payment months from XX/XX/XXXX to XX/XX/XXXX, which is less than the XXX-months minimum required. Please provide documentation verifying the payments for XX/XX/XXXX and XX/XX/XXXX to satisfy the XXX-month housing history requirement. | Document Uploaded. ; Document Uploaded. | 06/06/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Verification of rent received from XXX for rental history on subject property. ; Received copy of Note and the evidence of XXX months payment history, missing evidence of XXX months housing history to evidence no greater than XXX late payments in the last XXX XXX months. Condition remains. | 06/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164203 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Per Guidelines, for XXX Equity XXX(a)(XXX) Loans, the Title Policy must include the T42 and T421. Despite this requirement, the required endorsements were not included in the loan file. The loan file is also missing the required executed Name Affidavit stating that the Borrower is "Not The Same Person" in the liens set fourth in the documents described under Schedule C of the title commitment. | Document Uploaded. please see XXX. | 05/19/2025 | Title Document is fully Present; Final title policy indicate T-XXX and T-XXX title endorsement was included. Final title policy also indicate the judgements were removed. | 06/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164203 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164200 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164200 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164200 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.45% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.45% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | finding-2623 | Compliance | MD XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.45% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.45% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects monthly income of XXX the actual income is $XXX. | Document Uploaded. | 05/19/2025 | The Final 1003 is Present; An updated Final 1003 and XXX with an income is XXX was received. | 05/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points - Loan Discount Fee. The increase to the Points - Loan Discount Fees on the final CD dated XX/XX/XXXX was not accepted because the file did not contain a COC for XX/XX/XXXX. | Document Uploaded. | 05/07/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrow and met appraisal requirements, downgraded to an A. |  |  | HPML compliant | 05/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 05/15/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | ; HPML compliant | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% non-QM Matrix effective date XX/XX/XXXX shows for credit type A+ with FICO XXX max LTV is 85%. Loan was originated with 90% LTV. there is no exception on file | Document Uploaded. | 05/15/2025 | Received Lender Exception approved for LTV, not limited tradelines, FICO XXX max LTV 85%. Approved for 90% LTV. Compensating factors: lower DTI – under XXX%; residual income at least XXX a month; reserves at least XXX months after close of purchase. | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% non-QM Matrix effective date XX/XX/XXXX shows for credit type A+ with FICO XXX max LTV is 85%. Loan was originated with 90% LTV. there is no exception on file | Document Uploaded. | 05/15/2025 | Received Lender Exception approved for LTV, not limited tradelines, FICO XXX max LTV 85%. Approved for 90% LTV. Compensating factors: lower DTI – under XXX%; residual income at least XXX a month; reserves at least XXX months after close of purchase. | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% non-QM Matrix effective date XX/XX/XXXX shows for credit type A+ with FICO XXX max LTV is 85%. Loan was originated with 90% LTV. there is no exception on file | Document Uploaded. | 05/15/2025 | Received Lender Exception approved for LTV, not limited tradelines, FICO XXX max LTV 85%. Approved for 90% LTV. Compensating factors: lower DTI – under XXX%; residual income at least XXX a month; reserves at least XXX months after close of purchase. | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 164116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX provide updated title commitment with coverage amount not less than XXX | Document Uploaded. | 05/21/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title policy with XXX of XXX was received. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX requires a cure package the contains a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount on the CD dated XX/XX/XXXX. The amount is reduces due to a cure being present on the Final CD. There was no COC found in the file to explain the date when the change occurred and why. | Document Uploaded. page XX/XX/XXXX; page XX/XX/XXXX of loan package COC for XX/XX/XXXX and XX/XX/XXXX. No cure | 07/01/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded |  |  | HPML compliant | 07/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements We are missing a complete account Statement with at least a XXX day history for the borrower's XXX XXX. These funds are necessary to meet the required reserves. Please provide XXX months complete asset Statements or additional asset documentation to meet the reserve requirements. | Document Uploaded. Account Statements XXX pages. This also included the last XXX days activity for the account as well. please review/clear. | 06/11/2025 | Asset Record XXX Meets G/L Requirements Or XXX; Two months verification of retirement accounts provided. | 06/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Acknowledged | FCRE6763 | Credit | Income documentation does not meet guidelines | Per the lender guidelines for borrowers that live rent free you are only permitted full documentation or bank Statement documentation. B1 has qualified with a XXX year P&L and XXX months bank Statements which does not meet the lender's guidelines. | Document Uploaded. | 06/20/2025 | Exception provided for B1 living rent free, per GL borrowers living rent free must qualify off of full doc or bank Statement, B1 qualified off of P&L with XXX months bank Statements and B2 qualified off Full doc. Comp factors Residual income over XXX, B2 stable job with same employer over XXX years, B1 same line of work over XXX years. Exception approved. | 06/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Funding date is XXX. Notary date and ROR signed XXX. Documentation required: PCCD with LOE, copy of refund and proof of delivery. | Document Uploaded. | 09/30/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | finding-2623 | Compliance | MD XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing tax evidence for land located at XXX XXX | Document Uploaded. See XXX property profile that shows the total assessed value-- thank you | 07/11/2025 | ; XXX taxes verified. | 07/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required to clear exception. The funding date of XX/XX/XXXX is before the third business day following consummation, documentation of actual Disbursement date required. | Document Uploaded. | 07/22/2025 | PCCD provided with corrected disbursement date; Exception resolved; PCCD provided with corrected disbursement date; Exception resolved | 07/23/2025 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 07/23/2025 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 07/23/2025 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Rescinded | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 07/01/2025 | Lender attestation provided; exception resolved; Required Affiliated Business Disclosure Documentation Provided | 07/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/13/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Final CD is missing page XXX Need to confirm Loan Disclosures and Escrow account information was disclosed correctly. | Document Uploaded. | 07/15/2025 | TRID: Final Closing Disclosure Provided | 07/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 164445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The assets from the business account were needed to satisfy the reserve requirement. The CPA Letter in the loan file did not include the language stating that the use of business funds would not negatively affect the business. The Lender Guideline States: Third party prepared letter from a licensed CPA or licensed Tax Professional signed and dated within XXX days of Note date stating that the use of business funds would not have a negative impact on the business cash flow. | Document Uploaded. ; Hi, per our UW - All of the assets to close came from personal accounts. Business funds were not used. Assets were from Personal accounts: • XXX XXX – XXX XXX • XXX XXX – XXX – XXX | 07/23/2025 | Received CPA letter indicating the business funds will not negatively affect the business. ; Total assets required are XXX (XXX cash to close per CD; XXX reserves required). Total assets verified is XXX not including the business account #XXX with a balance of $XXX. When the business account balance is not included in the assets, reserves are short by $XXX. Missing CPA letter to validate use of business funds per guidelines or additional personal asset documentation to cover the reserve shortage. | 07/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 164445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 164445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 164136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. | 08/14/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 08/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 164292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Rescinded | FCOM3216 | Credit | Note Address Does Not Match Deed of Trust Address | Note Address of XXX XXX, XXX Does Not Match Deed of Trust Address of XXX XX/XX/XXXX XXX, XXX The address on the Deed of Trust does not match the address on the Note or Appraisal. A Google search reflects two different properties for the addresses. | Borrower is temporarily residing in ADU during remodel, our subject address is correct XXX XXX | 08/14/2025 | Thank you for clarification | 08/15/2025 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 164292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCOM3216 | Credit | Note Address Does Not Match Deed of Trust Address | Note Address of XXX XXX, XXX Does Not Match Deed of Trust Address of XXX XX/XX/XXXX XXX, XXX The address on the Deed of Trust does not match the address on the Note or Appraisal. A Google search reflects two different properties for the addresses. | Borrower is temporarily residing in ADU during remodel, our subject address is correct XXX XXX | 08/14/2025 | Note Address of XXX XXX, XXX Matches Deed of Trust Address of XXX XXX, XXX; Thank you for clarification | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 164292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 164293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Missing enough funds to cover cash needed to close as well as reserve requirements. | Document Uploaded. Please see XXX.; Document Uploaded. Hi there is a Gift of XXX that was sent straight to title. | 07/22/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Received updated asset Statement from XXX #XXX indicating and updated balance of XXX with transfers from Acct #XXX and #XXX. Assets are sufficient for reserves. ; Gift of XXX was already calculated into borrower cash to close + reserves. EMD XXX cleared accounts. B1 assets as Per 1003 $XXX. B2 assets Per 1003 $XXX. Total borrower verified Assets per bank Statements in file is $XXX. Borrower gift makes total qualified assets to close and for reserves XXX – XXX reflects verified assets of XXX that is not reflected in the file. Final CD is XX/XX/XXXX = XXX eligible for reserves. XXX months required reserves is $XXX. short $XXX. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 80% Lender Guideline: Private Party VOR LTV <=XXX% & >=XXX FICO | Document Uploaded. | 07/25/2025 | Audited CLTV of 90% is less than or equal to Guideline CLTV of 90%; Received third party verification of most recent XXX-month rental history via XXX months electronic withdrawals on the bank Statements provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 80% Lender Guideline: Private Party VOR LTV <=XXX% & >=XXX FICO | Document Uploaded. | 07/25/2025 | Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90%; Received third party verification of most recent XXX-month rental history via XXX months electronic withdrawals on the bank Statements provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 80% Lender Guideline: Private Party VOR LTV <=XXX% & >=XXX FICO | Document Uploaded. | 07/25/2025 | Audited LTV of 90% is less than or equal to Guideline LTV of 90%; Received third party verification of most recent XXX-month rental history via XXX months electronic withdrawals on the bank Statements provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. | 08/11/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Received updated bank Statement and PCCD. Assets are sufficient for reserves. ; Received LOX indicating the gift funds of XXX was not utilized. Assets of XXX from XXX XXXX XX/XX/XXXX is not sufficient for funds to close of XXX and reserves of $XXX. Assets are short by $XXX. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FCRE6843 | Credit | Asset XXX | Provide evidence the gift funds were sent to XXX in the amount of XXX from XXX. Also, provide XXX% access letter for the business account. | Document Uploaded. | 08/04/2025 | Received access letter for acct XXX. Also received LOX indicating the gift funds of XXX was not utilized. | 08/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of insurance dated prior to or on XX/XX/XXXX. | Document Uploaded. | 07/24/2025 | ; Lender uploaded a PCCD with a disbursement date of XX/XX/XXXX | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 164453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial loan documents were eSigned on XX/XX/XXXX. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. | 07/23/2025 | Evidence of eConsent is provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 164453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 164295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE1337 | Credit | Borrower 1 Separation Agreement Missing | Borrower 1 Separation Agreement Missing Final 1003 marital status is marked "separated". Missing separation and/or divorce agreement. | Document Uploaded. | 08/12/2025 | Borrower 1 Separation Agreement Provided; LOX provided verifies marital status of separated on the 1003 application was a typographical error. Corrected 1003 application indicating marital status as married was provided. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 164295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation report. CU Risk score is XXX. | Document Uploaded. | 08/08/2025 | Third party valuation product provided within tolerance.; Desk Review (CCA) for the subject property with XXX% variance was received. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 164295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR initial CD. The Zero tolerance violation is due to the increase in Discount Points on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. | 08/08/2025 | Initial CD and valid COC provided; Exception resolved; Initial CD and valid COC provided; Exception resolved | 08/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 164295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation Required: There is no evidence of an initial CD with receipt issued at least XXX business days prior to consummation dated XX/XX/XXXX in the loan file. | Document Uploaded. | 08/08/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 08/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 164295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 08/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 164296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.9% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.9% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.9% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.9% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164454 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 07/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164454 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164454 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/14/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 08/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 08/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The Borrower was qualified using XXX months Business Bank Statements. The bank Statements provided reflect XXX NSFs in the last XXX months. Per XXX GLs dated XXX require a satisfactory LOX from the borrower which has not been provided. Excessive NSFs will be highly scrutinized and may cause the loan to be deemed ineligible. Borrower has only been in business for XXX years, and the bank Statements reflect low ending balances (prior to large refi deposit, single event funded by primary residence). | Document Uploaded. ; Document Uploaded. | 08/06/2025 | Overdraft/NSF count within tolerance.; LOE from borrower regarding NSF activity within the last XXX months was received. ; XXX External Version Guidelines dated XX/XX/XXXX require an LOE from the borrower for any NSF activity within the last XXX months. Condition remains. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal XXX | Property/Appraisal guideline violation: The appraisal indicates the subject property is Rural and zoned Residential Agricultural, and the Desktop Analysis confirms the zoning as Agricultural. The subject property is XXX of the XXX comparable closed sales are over XXX miles from the subject. Per XXX Guidelines dated XXX classify rural properties as ineligible. | Please see other open conditions to clear this one, thank you; Document Uploaded. ; Document Uploaded. File meets most of the characteristics of a XXX, though the credit type per XXX is XXX which allows rural at XXX% please see XXX exception for the 75% LTV. Thank you! | 08/11/2025 | Exception provided. DTI XXX% exception to LTV. Approved to XXX% when maximum allowed is XXX% Great FICO, great residual and verified XXX mos reserves. Comp factors: XXX FICO points above GL Min, XXX mos reserves, residual income > XXX Approved; Updated 1008 and 1003 application received indicates an updated DTI of XXX%. DTI of XXX% does not meet the Comp Factor DTI below XXX% on the loan exception. An updated loan exception is missing.; The comp factors cited on the exception decision are not accurate. The DTI is XXX% and is not below XXX% Rental income was calculated incorrectly as XXX% of the form 1007 rent should have been used ($XXX market rent x XXX% = XXX gross rent - XXX PITIA = XXX rental income). The XXX reflects rental income of XXX which is XXX market rent - XXX PITIA. The exception decision will need to be revised in order to proceed. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% The appraisal indicates the subject property is Rural and zoned Residential Agricultural, and the Desktop Analysis confirms the zoning as Agricultural. The subject property is XXX XXX of the XXX comparable closed sales are over XXX miles from the subject. Per XXX Guidelines dated XXX classify rural properties as ineligible. However, if deemed eligible by Lender, max CLTV is 70%. | Document Uploaded. Please see the updated exception form. ; Document Uploaded. ; Document Uploaded. | 08/08/2025 | Exception provided. XXX% exception to LTV. Approved to XXX% when maximum allowed is XXX% Great FICO, great residual and verified XXX mos reserves. Comp factors: XXX FICO points above GL Min, XXX mos reserves, residual income > XXX Approved; Updated 1008 and 1003 application received indicates an updated DTI of XXX%. DTI of XXX% does not meet the Comp Factor DTI below XXX% on the loan exception. An updated loan exception is missing.; The comp factors cited on the exception decision are not accurate. The DTI is XXX% and is not below XXX% Rental income was calculated incorrectly as XXX% of the form 1007 rent should have been used ($XXX market rent x XXX% = XXX gross rent - XXX PITIA = XXX rental income). The XXX reflects rental income of XXX which is XXX market rent - XXX PITIA. The exception decision will need to be revised in order to proceed. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% The appraisal indicates the subject property is Rural and zoned Residential Agricultural, and the Desktop Analysis confirms the zoning as Agricultural. The subject property is XXX XXX of the XXX comparable closed sales are over XXX miles from the subject. Per XXX Guidelines dated XXX classify rural properties as ineligible. However, if deemed eligible by Lender, max HCLTV is 70%. | Document Uploaded. Please see the updated exception form. ; Document Uploaded. ; Document Uploaded. | 08/08/2025 | Exception provided. XXX% exception to LTV. Approved to XXX% when maximum allowed is XXX% Great FICO, great residual and verified XXX mos reserves. Comp factors: XXX FICO points above GL Min, XXX mos reserves, residual income > XXX Approved; Updated 1008 and 1003 application received indicates an updated DTI of XXX%. DTI of XXX% does not meet the Comp Factor DTI below XXX% on the loan exception. An updated loan exception is missing.; The comp factors cited on the exception decision are not accurate. The DTI is XXX% and is not below XXX% Rental income was calculated incorrectly as XXX% of the form 1007 rent should have been used ($XXX market rent x XXX% = XXX gross rent - XXX PITIA = XXX rental income). The XXX reflects rental income of XXX which is XXX market rent - XXX PITIA. The exception decision will need to be revised in order to proceed. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% The appraisal indicates the subject property is Rural and zoned Residential Agricultural, and the Desktop Analysis confirms the zoning as Agricultural. The subject property is XXX XXX of the XXX comparable closed sales are over XXX miles from the subject. Per XXX Guidelines dated XXX classify rural properties as ineligible. However, if deemed eligible by Lender, max LTV is 70%. | Document Uploaded. Please see the updated exception form. ; Document Uploaded. ; Document Uploaded. | 08/08/2025 | Exception provided. XXX% exception to LTV. Approved to XXX% when maximum allowed is XXX% Great FICO, great residual and verified XXX mos reserves. Comp factors: XXX FICO points above GL Min, XXX mos reserves, residual income > XXX Approved; Updated 1008 and 1003 application received indicates an updated DTI of XXX%. DTI of XXX% does not meet the Comp Factor DTI below XXX% on the loan exception. An updated loan exception is missing. ; The comp factors cited on the exception decision are not accurate. The DTI is XXX% and is not below XXX% Rental income was calculated incorrectly as XXX% of the form 1007 rent should have been used ($XXX market rent x XXX% = XXX gross rent - XXX PITIA = XXX rental income). The XXX reflects rental income of XXX which is XXX market rent - XXX PITIA. The exception decision will need to be revised in order to proceed. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | The Borrower was qualified using XXX months Business Bank Statements. The bank Statements provided reflect XXX NSFs in the last XXX months. Per XXX GLs dated XXX require a satisfactory LOX from the borrower which has not been provided. | Document Uploaded. ; Document Uploaded. | 08/06/2025 | LOE from borrower regarding NSF activity within the last XXX months was received. ; XXX External Version Guidelines dated XX/XX/XXXX require an LOE from the borrower for any NSF activity within the last XXX months. Condition remains. | 08/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrower owns his primary residence. File is missing evidence there are no HOA dues against this property. | Document Uploaded. Please see XXX property profile for primary, there are no HOA dues present. Thank you so much! | 07/29/2025 | Lender confirmed no HOA dues on the primary residence, exception resolved. | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 164405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Final XXX and Lender Loan Approval. | Document Uploaded. ; Document Uploaded. | 08/26/2025 | Approval/Underwriting Summary is fully present; XXX and approval provided | 08/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing housing expenses documentation for XXX XXX (Primary Residence). Also missing HOA Statement or LOE for property located at XXX XXX | Document Uploaded. Please see the XXX 1st payment letter from that closed transaction. First payment date is XX/XX/XXXX and escrow payments are included in the monthly payment amount. ; Document Uploaded. uploading printout to show XXX XXX does NOT have HOA and is NOT part of an association. | 08/27/2025 | XXX PITIA verified, XXX no HOA verified. ; Confirmation of no HOA on XXX has been received. However, still missing verification of PITIA for primary residence on XXX. Final 1003 reflects a mortgage payment with XXX and payment of $XXX. Please provide documentation to verify this payment. Please also verify if there is an HOA on this property. | 08/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The subject loan file includes a Gift Letter in the amount of XXX The loan file reflects that the actual gift was for XXX | Document Uploaded. Correct, the initial Gift was XXX However the donor was refunded XXX so we had them update the Gift Letter to XXX Please see XXX PCCD showing the Refund of XXX to the donor on page XXX line XXX | 07/31/2025 | A post close CD provided indicates a refund of gift funds of XXX making final gift amount at XXX | 08/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164214 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the addition of the appraisal re-inspection fee on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. ; Document Uploaded. | 08/28/2025 | Cure package provided; Exception downgraded to a 2/B; Document provided did not resolve the exception, document was a copy of a credit card Statement | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164214 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164214 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164214 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. A COC is required to determine if the increase is valid. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 08/29/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The PCCD was provided however the remaining cure package was not included; An LOE and copy of cure check is required; COC did not resolve; the COC confirms the fee was under disclosed by XXX and a cure was required but a cure wasnt found on the final CD | 09/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 09/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.69% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.69% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.69% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.69% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Appraisal Re-Inspection Fee on the LE dated XXX and no COC was found in the file explaining the reason for the added fee. Please provide a Valid COC or Cure Package | Document Uploaded. | 08/19/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) Documentation required: The Homeownership Counseling Disclosure id not provide XXX of the closest counseling agencies. Only one was provided on the list. | Document Uploaded. Please see XXX.; Hi, can you please advise/provide where in our guidelines that this disclosure is a requirement?; Document Uploaded. Hi, there was a glitch in our system and it didn't print the agencies. We acknowledge this glitch, but the document is not required. | 08/13/2025 | Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence); Per the Bureau's Homeownership Counseling Organizations Lists Interpretive Rule, under II A. Number of Homeownership Counselors to Appear on List, Section XXX(a)(XXX) requires lenders to provide a written list of homeownership counseling organizations. Consistent with § XXX(a)(XXX), lenders comply with this requirement when they provide a list of ten HUD-approved housing counseling agencies. ; document provided did not resolve the exception. The Homeownership Counseling Disclosure did not provide XXX of the closest counseling agencies. Only one was provided on the list. | 08/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present The subject Preliminary Title Report does not include the names of the Borrowers. | Document Uploaded. | 08/08/2025 | Title Document is fully Present; Final title policy received confirms both borrowers' names were included. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/29/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit used XXX more in consumer debt than the Lender included on the XXX The DTI increased from XXX% to XXX% which exceeds the program maximum of XXX% | Document Uploaded. Per our UW - debts were excluded because they were paid with the new HELOC. Please see XXX Final HUD with debts paid. | 07/31/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Final HUD-XXX for HELOC indicates liabilities were paid by HELOC. DTI is within guidelines. | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/29/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The Final 1003 for Borrower 1 reflects a bank account ending in XXX that was used to close the subject loan. The loan file reflects that the bank account ending in XXX belongs to Borrower 2. The loan file does not include a letter stating that Borrower 1 had XXX% access to the funds in the account ending on XXX | Document Uploaded. Please see updated 1003 with bank account #XXX on Borrower 2. No LOE is needed as this belong to Borrower 2 and he is on the loan. | 07/31/2025 | Updated 1003 application indicates XXX #XXX was added to the assets. Account is listed under co-borrower's name. | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 08/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | Document Uploaded. | 07/29/2025 | Evidence of appraisal delivery provided. | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCOM3530 | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Provide evidence the borrower received a copy a minimum of XXX business days prior to closing or provide evidence they waived the XXX days and received a copy at closing. | Document Uploaded. | 07/29/2025 | Date of Borrower Receipt of Appraisal exceeds XXX business days from XXX, or Unable to Determine | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to Downgrade HPML due to missing evidence of appraisal to borrower XXX days prior to closing | Document Uploaded. | 07/29/2025 | Appraisal delivery provided. HPML compliant; Exception resolved | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.96% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.96% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.96% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.96% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.96% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.96% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing lender income worksheet detailing income calculation required by guidelines. | Document Uploaded. | 08/15/2025 | Lender income worksheet was received. | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164384 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164384 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes three inquiries dated between XX/XX/XXXX and XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established orrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. Please see XXX LQI which does not reflect any open accounts resulting from the inquiries- matching the inq letter. Thank you so much! | 08/22/2025 | Supplemental credit report provided indicates no new accounts were open from the credit inquiries. | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third party valuation at time of review. | Document Uploaded. | 08/25/2025 | TPV provided, exception resolved. ; Third party valuation product provided within tolerance. | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.14% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.14% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.14% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Property is still under XXX and is subject to completion. A 1004D form must be provided verifying that existing XXX has been completed. | Document Uploaded. | 08/27/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; 1004D Appraisal update/completion report received indicates the subject is complete. | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Appraisal delivery receipt provided (pg XXX) shows the borrower received and reviewed the appraisal, however is not dated. Unable to determine if appraisal was delivered timely. Please provide evidence the appraisal was provided at least XXX business days prior to consummation. | Document Uploaded. | 08/27/2025 | Evidence of appraisal delivery provided. | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required to clear exception: Appraisal delivery receipt provided (pg XXX) shows the borrower received and reviewed the appraisal, however is not dated. Unable to determine if appraisal was delivered timely. Please provide evidence the appraisal was provided at least XXX business days prior to consummation. | Document Uploaded. | 08/27/2025 | Evidence of Appraisal Delivery to the Borrower Provided. | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Missing appraisal delivery receipt, unable to downgrade. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Document Uploaded. | 08/27/2025 | Appraisal delivery provided, HPML compliant; Exception resolved | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing hazard insurance for investment property "XXX". | Document Uploaded. LOE in page XXX of loan package. | 08/08/2025 | Property detail report indicates property is owned free and clear. LOX from borrower States there are no HOA fees, borrower also confirms he does not carry Homeowner's insurance for the property. All documents are in file. | 08/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Final CD and no COC was found in the file explaining the reason for why the fee was added. Please provide a Valid COC or Cure Package | Document Uploaded. | 09/11/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Rescinded | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose Affidavit in file | This is a NON TRID loan, this documentation requested is for nonq BUSINESS loans, XXX on this one. Please clear. | 08/27/2025 | According to lender, disclosure is not required. ; Business Purpose Affidavit/Disclosure Provided | 08/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The calculated DTI of XXX% matches the tape value. The XXX reflects a DTI of XXX% and excludes the income from te Borrower. It appears that they were thinking about excluding the Borrower to eliminate te XXX mortgage, and other consumer debt (only her XXX on XXX for B2) but they could not remove his debts because he signed the Note. | Document Uploaded. | 08/25/2025 | Revised XXX provided, exception resolved. ; Approval/Underwriting Summary is fully present | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | finding-2623 | Compliance | MD XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 164360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in Lender Credits on the Final CD and no COC or pricing/lock confirmation was found in the file explaining the reason for why the Lender Credit decreased. Please provide a Valid COC or Cure Package | Document Uploaded. please see XXX XX/XX/XXXX COC for the decrease in lender credits. This is a valid COC since the lender credit decreased due to the rate reduction. The COC cover letter could have been clearer in explaining what occurred, but the borrower did review the revised CD showing no lender credit. No cure is required. | 09/15/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164284 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164284 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164284 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for > 75% LTV XXX occupied transactions. Audited reserves of XXX is less than required reserves of $XXX. Total assets verified XXX minus funds to close XXX = $XXX. Borrower is short XXX in reserves. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines require XXX months reserves for > 75% LTV XXX occupied transactions. Audited reserves of XXX months is less than the required reserves of XXX months. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Audited reserves of XXX months is less than the required reserves of XXX months. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and copy of refund check, or valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the appraisal fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see cure package for XXX | 09/09/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 09/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present The Title Commitment coverage of XXX is less than the subject Note of XXX | Document Uploaded. | 09/09/2025 | Title Document is fully Present; Final title policy with XXX of XXX was provided. | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.15% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.15% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.15% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX The Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the Appraisal Fee on the LE dated XXX and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | 09/05/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Final CD and no COC was found in the file explaining the reason for the added fee. Please provide a Valid COC or Cure Package | Document Uploaded. | 09/18/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is missing from the file. Please provide evidence the consumer received the Initial Escrow Account Disclosure. | Document Uploaded. | 08/22/2025 | Initial Escrow Account Disclosure is Resolved | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Rescinded | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has two charge off accounts XXX) XXX with DLA of XX/XX/XXXX and XXX) XXX with DLA of XX/XX/XXXX. XXX guidelines require accounts with a cumulative balance greater than XXX must be paid in full prior to or at closing unless they exceed State statute of limitations for debt collection. Provide verification charge off accounts paid off. | Per the guidelines for charge-offs they can remain open if we include a payment of XXX% of the balances if there is no payment which is what we did. | 08/22/2025 | Reviewed lender comments, included XXX% of the payment per lender guidelines. ; Delinquent Credit History Meets Guideline Requirements | 08/26/2025 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Borrowers have two existing mortgages on investment properties. The mortages were not included on the subject Credit Report and a VOM was not found for either property. | Document Uploaded. ; Document Uploaded. Both of the investment properties are present on the CR and both of their mortgage stmts + property profile were provided. All of these documents were originally uploaded with the package and can be found between pg XX/XX/XXXX. I have re-XXX for your convenience. | 09/25/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; A supplemental credit report verifies a XXX months mortgage history at XXX for both XXX and XXX.; Received mortgage Statements, a verification of mortgage from XXX and XXX were not reflected on the credit report. A verification of mortgage or alternative documentation showing the most recent XXX months history is missing. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX reflects more income than the Final 1003. | Document Uploaded. see updated 1003 | 09/08/2025 | Approval/Underwriting Summary is fully present; An updated 1003 matching the income on the XXX was provided. | 09/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present A supplement to Title was provided to remove item XXX from the Final Title Policy. The actual number on the Preliminary Title Report that needs to be removed from the Final Title Policy is number XXX the Solar Energy Producer Contract. | Document Uploaded. See XXX, it was added as an endorsement. | 09/09/2025 | Title Document is fully Present; Final title provided indicates Solar Energy Contract was added as an endorsement. | 09/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE1469 | Credit | Asset 3 Missing | Asset 3 Missing Missing evidence of sold property as listed on 1003 for XXX | Document Uploaded. I found a cash receipt/ disbursement letter in the closing package. Hopefully this breaks it down better.; Disbursement for XXX and XXX are XXX so you see both wires coming in. Then you see XXX's check of XXX which represents his proceeds from XXX- cash to close for purchase of XXX; Document Uploaded. | 09/16/2025 | Asset 3 Provided Or XXX; Disbursement Statement provided verifies funds to close of XXX received from proceeds. ; Received Ledger with indicating borrower received XXX wires on XX/XX/XXXX after all transactions the final balance on XX/XX/XXXX was XXX Unable to determine the transactions debited were to satisfy the funds to close of XXX per the final HUD-XXX. The final balance of XXX on the ledger do not cover the funds to close of XXX and reserves of XXX.; Asset 3 Missing | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The fifth investment property listed on the Final 1003 reflects that the property has a mortgage. The mortgage history was not on the Credit Report and a VOM was not found in the file to review the mortgage paymenet history. | Document Uploaded. Hi, it's a New Purchase (Loan# XXX - Also with Consolidated). I pulled the Note, 1st payment Letter, HOI and Tax from that loan. Please let me know if you need me to pull any other documents from that New Loan/Purchase. | 09/16/2025 | Housing History Meets Guideline Requirements; Received Note, hazard insurance and taxes verifying the PITI for XXX XXX | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The disbursement/funding date of XX/XX/XXXX is less than XXX business days after the consummation date of XX/XX/XXXX. Please provide a final settlement Statement and or PCCD with the actual loan disbursement date for testing. | Document Uploaded. ; Loan did not disburse until XX/XX/XXXX. see PCCD XXX. | 10/13/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved; No documentation was provided, please re-upload | 10/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.78% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.78% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.78% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.78% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.78% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.78% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for addition of Appraisal 1004D fee. COC provided insufficient for increase. Appraisal was made subject to. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 09/08/2025 | Valid COC for a transferred appraisal provided; Exception resolved; Valid COC for a transferred appraisal provided; Exception resolved; The appraisal invoice in file is dated XX/XX/XXXX but the fee was not disclosed to the borrower until XX/XX/XXXX which is not considered timely | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML compliant | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the increase of the discount points fee on the CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee increase. | Document Uploaded. | 09/22/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | Documentation required: Funding of the loan occurred on or before the third business day following consummation. The consummation date of XX/XX/XXXX and the loan funded XX/XX/XXXX. An Estimated Settlement Statement in the loan file shows a funding date as of XX/XX/XXXX. Provide a certified HUD1 Settlement Statement confirming the disbursement date. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | Document Uploaded. Hi, XXX is a Dry Funding State. The borrower did not sign until XX/XX/XXXX and the loan did not fund until XX/XX/XXXX. Please see PCCD. | 09/04/2025 | PCCD provided showing accurate disbursement date; exception resolved; PCCD provided showing accurate disbursement date; exception resolved | 09/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | 09/05/2025 | Evidence of eConsent is provided. | 09/06/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | finding-2623 | Compliance | MD XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 08/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift funds received per Gift letter/XXX check in the amount of XXX payable to XXX, no evidence of receipt from Title in file; Final CD does not reflect the $XXX gift which was being applied to closing costs | Document Uploaded. | 09/09/2025 | Asset Qualification Meets Guideline Requirements; Final CD provided indicates gift funds of XXX | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Result of: Gift funds received per Gift letter/XXX check in the amount of XXX payable to XXX, no evidence of receipt from Title in file; Final CD does not reflect the $XXX gift which was being applied to closing costs | Document Uploaded. | 09/09/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Final CD provided indicates gift funds of XXX | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Result of: Gift funds received per Gift letter/XXX check in the amount of XXX payable to XXX, no evidence of receipt from Title in file; Final CD does not reflect the $XXX gift which was being applied to closing costs | Document Uploaded. | 09/09/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Final CD provided indicates gift funds of XXX | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE1344 | Credit | Borrower 1 Business Bank Statements Less Than XXX Months Provided | The subject transaction was approved using XXX month business bank Statements. The Lender income worksheet used the months from XXX XXX through XXX XXX The bank statment for the month of XXX XXX was not found in the loan file. | Document Uploaded. | 10/01/2025 | Received XXX XXX bank Statement validating income utilized. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-2623 | Compliance | MD XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 164342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  |  | HPML compliant | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the increase of the appraisal fee on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee increase. | Document Uploaded. | 10/01/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The VOR in file is from a private party. The Borrower's credit score is XXX and the LTV is 80%. Only two bank Statements in file appear to have verified rent payments. Per XXX Matrix dated XXX, a Private Party VOR is only acceptable at XXX% with a credit score of XXX | Document Uploaded. o proof of rent payments XX/XX/XXXX-XX/XX/XXXX + XX/XX/XXXX+XX/XX/XXXX was paid out of the XXX #XXX + #XXX o proof of rent payments XX/XX/XXXX + XX/XX/XXXX was paid out of the XXX #XXX | 10/08/2025 | Housing History Meets Guideline Requirements. Received XXX months rental payments from XX/XX/XXXX thru XX/XX/XXXX thru bank Statements provided. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Per XXX Matrix dated XXX, when using a Private VOR to verify housing history, the max LTV is 80% with a score of XXX The Borrower's credit score is XXX below the minimum required. | We have proof of the rent payments documenting the housing history, not just the private VOR so we are good. The XXX min fico is when we are just using the private VOR without documenting the rent payments. uploaded to the other condition. | 10/08/2025 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Received XXX months rental payments from XX/XX/XXXX thru XX/XX/XXXX thru bank Statements provided. FICO is within guideline minimum. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Acknowledged | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The Borrower's income has been qualified using XXX months bank Statements from multiple accounts. The file contains an LOX addressing XXX NSFs that occurred on one business account. However, one of the personal accounts used to qualify also reflects XXX NSFs within the XXX month period. According to XXX GLs Section XXX, NSF activity that occurs within the last XXX months requires a satisfactory explanation from the borrower. No corresponding LOX has been provided. | Document Uploaded. ; We have proof of the rent payments documenting the housing history, not just the private VOR so we are good. The XXX min fico is when we are just using the private VOR without documenting the rent payments. uploaded to the other condition. | 10/08/2025 | Received lender loan exception approved for not having an LOE regarding the NSFs on the personal account. LOE provided only addressed the NSFs in the business account. Compensating factors; residual income greater than XXX; low payment shock (under XXX%); housing history XXX. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Additional properties found within file that do not appear on 1003. XXX - XXX - XXX - XXX | Document Uploaded. ; Document Uploaded. XXX and XXX are commercial properties and not on the 1003. Property profiles XXX. XXX is vacant land--added to the 1003, but printout XXX to prove vacant. | 09/25/2025 | Documents provided indicate XXX and XXX are commercial properties. An updated 1003 application was provided. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Rescinded | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | Document Uploaded. | 09/23/2025 | According to the final CD the seller credit of XXX% meets the maximum XXX% IPC requirements. ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 09/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. | 09/29/2025 | According to the lender matrix XX/XX/XXXX, XXX mos reserves required for Purchase > XXX% w/XXX. Housing history verifies XXX.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 10/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. Matrix XX/XX/XXXX with occ purchase with an LTV > XXX.. XXX mos, as long as they have a XXX. | 09/29/2025 | According to the lender matrix XX/XX/XXXX, XXX mos reserves required for Purchase > XXX% w/XXX. Housing history verifies XXX.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 09/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Acknowledged | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal is dated XXX. Loan closed XXX, just over the XXX days permitted per XXX GLs Section XXX. The file does contain a market rent analysis and more recent photos dated XXX; however, no XXX has been provided. | Document Uploaded. exception letter uploaded; Document Uploaded. | 10/14/2025 | Received lender loan exception approved for the appraisal being dated XXX days prior to the note date. Per the guidelines, the appraisal should be dated no more than XXX days prior to the note date. Our appraisal was XXX days over the max allowed. Compensating factors; XXX points above XXX; clean credit, verified XXX on all accounts; verified over XXX months of reserves; CU Score XXX ; Appraisal transfer letter received. Per the lender guidelines the Appraisal should be dated no more than XXX days prior to the Note date. After a XXX day period, a recertification of value is acceptable. The Appraisal dated XX/XX/XXXX is XXX days from the Note date of XX/XX/XXXX. A recertification of value is missing. | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | I'm not sure what you are asking for here. The required reserves were XXX months which totaled $XXX. There were plenty of funds to cover. Reserves: XXX ($XXX \*XXX) Cash: XXX Total: XXX Verified Assets: XXX | 10/08/2025 | Audited reserves are sufficient. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets escrow and appraisal requirements. |  |  | HPML compliant | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets escrow and appraisal requirements. |  |  | HPML compliant | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The earliest electronic signature in file is dated XX/XX/XXXX, while the earliest/only evidence of e-consent is dated XX/XX/XXXX (pg. XXX). | Document Uploaded. | 04/08/2025 | Evidence of eConsent is provided. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 164191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE7247 | Credit | Missing AUS Findings | DU #XXX condition says Mortgage Insurance is required. The loan file does not contain an MIC cert. Please provide and MI cert or rerun DU with not MI requirement. | Document Uploaded. Mortgage insurance is for conventional loans. We do not originate conventional loans in the group. Our DU product is specific only to things referenced in policy in that section. Please direct the team to page XXX of our guides. ; Please confirm where you are getting this information from? Thank you. | 04/11/2025 | Per Client, XXX does not require mortgage insurance. ; Loan was locked under the XXX XXX indicating the underwriting method used was DU. According to DU findings #XXX XXX is required. Condition remains. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 164191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide evidence the e-Consent was received | Document Uploaded. | 07/23/2025 | Evidence of eConsent is provided. | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HELOC Statement for XXX for XXX | Document Uploaded. | 08/25/2025 | Received mortgage Statement. | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Acknowledged | FCRE1395 | Credit | Borrower XXX XXX Transcripts Missing | Borrower XXX XXX Transcripts Missing 4506T or Transcripts missing from file. Per Guidelines one or the other are required. | Exception Uploaded; This is a P&L loan so 4506Ts are not required. Please review the P&L guidelines. | 08/25/2025 | Received an approved lender exception request ; The school system does not use an electronic service for 3rd party verification in order to use in lieu of transcripts. Requesting exception to use written VOE based on comp factors listed. Compensating factors; XXX months reserves greater than the program requirement; VOR/VOM XXX; length of employment and income verballed. ; Loan contains XXX borrowers, although P&L income was utilized for Borrower 2, wage earner income full doc income were utilized for borrowers XXX and XXX According to lender guidelines a signed XXX-T is required for wage earners. Missing executed XXX-T for wage earner borrowers XXX and XXX and or tax transcripts as required per lender guidelines. | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Acknowledged | FCRE1394 | Credit | Borrower XXX Executed XXX-T Missing | Borrower XXX Executed XXX-T Missing 4506T or Transcripts missing from file. Per Guidelines one or the other are required. | Exception Uploaded; This is a P&L loan so 4506Ts are not required. Please review the P&L guidelines. | 08/25/2025 | Received an approved lender exception request ; The school system does not use an electronic service for 3rd party verification in order to use in lieu of transcripts. Requesting exception to use written VOE based on comp factors listed. Compensating factors; XXX months reserves greater than the program requirement; VOR/VOM XXX; length of employment and income verballed. ; Loan contains XXX borrowers, although P&L income was utilized for Borrower 2, wage earner income full doc income were utilized for borrowers XXX and XXX According to lender guidelines a signed XXX-T is required for wage earners. Missing executed XXX-T for wage earner borrowers XXX and XXX | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Acknowledged | FCRE1335 | Credit | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing 4506T or Transcripts missing from file. Per Guidelines one or the other are required. | Exception Uploaded; This is a P&L loan so 4506Ts are not required. Please review the P&L guidelines. | 08/25/2025 | Received an approved lender exception request ; The school system does not use an electronic service for 3rd party verification in order to use in lieu of transcripts. Requesting exception to use written VOE based on comp factors listed. Compensating factors; XXX months reserves greater than the program requirement; VOR/VOM XXX; length of employment and income verballed. ; Loan contains XXX borrowers, although PnL income was utilized for Borrower 2, wage earner income full doc income were utilized for borrowers XXX and XXX According to lender guidelines a signed XXX-T is required for wage earners. Missing executed XXX-T for wage earner borrowers XXX and XXX and or tax transcripts as required per lender guidelines. | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Acknowledged | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing 4506T or Transcripts missing from file. Per Guidelines one or the other are required. | Document Uploaded. ; This is a P&L loan so 4506Ts are not required. Please review the P&L guidelines. | 08/25/2025 | Received an approved lender exception request ; The school system does not use an electronic service for 3rd party verification in order to use in lieu of transcripts. Requesting exception to use written VOE based on comp factors listed. Compensating factors; XXX months reserves greater than the program requirement; VOR/VOM XXX; length of employment and income verballed. ; Loan contains XXX borrowers, although PnL income was utilized for Borrower 2, wage earner income full doc income was utilized for borrowers XXX and XXX According to lender guidelines a signed XXX-T is required for wage earners. Missing executed XXX-T for wage earner borrowers XXX and XXX | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/20/2025 | Resolved | FCRE4989 | Credit | Collections, liens or judgments not paid at closing | Tax Lien in the amount of XXX was supposed to be paid off at close per Final 1003 and XXX in the amount of XXX was supposed to be paid off. No proof of payoffs in file. | The Final 1003 nor the final CD reference any of the payoffs mentioned. The title policy also does not reflect this. The final title policy was issued without exceptions. If the title and CD do not reflect these payoffs, then the payoffs did not happen and are non-issues. Please reach out to your internal mgmt team for guidance on how to review "final" docs. ; Document Uploaded. | 07/29/2025 | Lender comments reviewed. After further review, federal tax lien and judgements reflected on the preliminary title commitment is not reflected on the final title policy, credit report or fraud report. ; Received payoff for payoff previous subject lien, missing evidence tax Lien in the amount of XXX and parking violation in the amount of XXX was paid off. | 07/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/18/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender submitted file as XXX Months Bank Statements, however XXX is XXX months Band Statement. | Document Uploaded. Lock was updated to reflect the correct doc type. | 04/29/2025 | Income and Employment Meet Guidelines; Updated rate lock confirmation indicates the doc type as XXX months business bank Statements. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 04/30/2025 | Evidence of eConsent is provided. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 04/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | finding-2559 | Compliance | NY Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. All factors available for compliance. |  |  | HPML compliant | 04/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 85% exceeds Guideline LTV of 80% Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | 04/08/2025 | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 85% exceeds Guideline CLTV of 80% Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | 04/08/2025 | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 85% exceeds Guideline HCLTV of 80% Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM | 04/08/2025 | Lender Exception Request: Number of Units is XXX and LTV Max per guidelines is XXX% Actual is XXX% Compensating Factors: XXX months Reserves; DTI >XXX%; High Discretionary; XXX Years in Current Job; VOR/VOM |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 164189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. An acknowledgment was provided, however, not dated at least XXX days prior to consummation. A waiver was not found in the file. | Document Uploaded. ; Document Uploaded. | 04/09/2025 | Evidence of appraisal delivery provided.; Proof of delivery was provided which indicated receipt on XX/XX/XXXX, however, receipt was not at least XXX days prior to consummation. The notice of right to receive a copy of the appraisal in file indicates the borrower requested the appraisal at least XXX days prior to consummation | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | APPRAISAL RECEIPT ACKNOWLEDGEMENT | 09/29/2025 | Evidence of appraisal delivery provided. | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | attestation | 09/29/2025 | Required Affiliated Business Disclosure Documentation Provided | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX | Not required per XXX. | 09/29/2025 | ; Documentation is sufficient. Reserves are XXX. Exception resolved. | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1192 | Credit | Audited Reserves are less than AUS Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than AUS Required Reserves of XXX month(s) | Not required per XXX. | 09/29/2025 | Documentation is sufficient. Reserves are XXX. Exception resolved.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to AUS Required Reserves of XXX month(s) | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements - Missing evidence of XXX months housing payment history required by guidelines | AUS in lieu of housing history | 09/29/2025 | Documentation is sufficient. AUS used for housing history. Exception resolved.; Housing History Meets Guideline Requirements | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Not required per XXX. | 09/29/2025 | Documentation is sufficient. VOE acceptable. Exception rescinded.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/30/2025 | C B A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Minimum Reserves is XXX months per Investor guidelines - XXX XXX | Not required per XXX. | 09/29/2025 | Documentation is sufficient. Reserves are acceptable per guidelines. Exception rescinded.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 09/30/2025 | C B A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX Minimum required Reserves is XXX months \* PITIA of XXX = XXX iper Investor guidelines - XXX XXX | Not required per XXX. | 09/29/2025 | Documentation is sufficient. Reserves are acceptable per guidelines. Exception rescinded.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 09/30/2025 | C B A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Rescinded | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Minimum FICO score is XXX per Investor guidelines - XXX XXX | Not required per XXX. \| | 09/29/2025 | Documentation is sufficient. Fico score is acceptable. Exception rescinded.; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 09/30/2025 | C B A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Acknowledged | FVAL5472 | Property | Property or house size is outside of guidelines | Subject property size - XXX acres, exceeds guidelines limit of XXX acres, however, lender provided guidelines approval allowing to process the loan based on the following compensating factors: | Exceeds minimum reserves and Depth of prior housing history being XXX years. | 09/10/2025 | Lender exception in file for acreage supported by the following compensating factors: Exceeds minimum reserves and Depth of prior housing history being XXX years. Exception downgraded to a level 2/B. | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 164288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/18/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Most recent FEMA Disaster declared on XX/XX/XXXX and incident period was from XX/XX/XXXX to XX/XX/XXXX. Appraisal date is XX/XX/XXXX, missing Disaster Inspection. | DIR | 08/27/2025 | Property Inspection Provided. | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 164291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Most recent FEMA Disaster declared on XX/XX/XXXX and incident period was from XX/XX/XXXX to XX/XX/XXXX. Appraisal date is XX/XX/XXXX, missing Disaster Inspection. | DIR | 08/27/2025 | FEMA Post Disaster Inspection report was provided. | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 164291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8611 | Credit | Income/Employment XXX | Missing documentation verifying percentage of ownership per guidelines as borrower is XXX | CPA letter | 08/22/2025 | Documentation is sufficient. CPA letter provided with % ownership. Exception resolved. | 08/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 164490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | LOE - not required | 08/25/2025 | Documentation is sufficient. Insurance coverage is XXX. Exception resolved.; Rent Loss Coverage Present | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Per guideline, If new credit obtained, document the current balance, monthly payment, and account number Missing credit supplement and or missing Statement for XXX - Business account XXX account payment was part of DTI however missing supporting documentation. | LOE and UDN | 08/25/2025 | Documentation is sufficient. Credit Supplement provided. Exception resolved. | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Rescinded | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX - Minimum FICO score required per XXX Purchase Criteria is XXX for a non-QM XXX on a primary residence. |  |  | Guidelines require Primary Wage Earner FICO of XXX to be used which meets guidelines. Condition rescinded. | 10/17/2025 | D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | VOE | 09/11/2025 | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (XXX equals XXX) | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Credit report reflects XXX months mortgage history. Final 1003 reflects borrower lived in a rented apartment before purchasing a property, however, the loan file is missing rent history for the apartment to add to current mortgage history to meet the XXX months housing history required by guidelines. | AUS used in lieu of housing history | 09/11/2025 | Documentation is sufficient. AUS utilized. Exception resolved.; Housing History Meets Guideline Requirements | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee | refund package; Re-CD and CiC | 10/10/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Provide additional clarification on increase in recording fees. The loan was a cash out based on the initial disclosures in file. | 10/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of 61.39% exceeds AUS CLTV of 55% |  |  | Received Client response requesting an exception supported by overall strength of profile with the following compensating factors: 61.39% LTV/CLTV, XXX x XXX on mortgage/credit history. Exception downgraded to a level 2/B. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1189 | Credit | Audited HCLTV Exceeds AUS HCLTV | Audited HCLTV of 61.39% exceeds AUS HCLTV of 55% |  |  | Received Client response requesting an exception supported by overall strength of profile with the following compensating factors: 61.39% LTV/CLTV, XXX x XXX on mortgage/credit history. Exception downgraded to a level 2/B. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1188 | Credit | Audited CLTV Exceeds AUS CLTV | Audited CLTV of 61.39% exceeds AUS CLTV of 55% |  |  | Received Client response requesting an exception supported by overall strength of profile with the following compensating factors: 61.39% LTV/CLTV, XXX x XXX on mortgage/credit history. Exception downgraded to a level 2/B. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. According to XXX XXX for XXX on a primary non-QM requires XXX-months reserves, shortfall of XXX unable to utilize cash-out towards reserves. | LOE | 09/11/2025 | Received Client response requesting an exception supported by overall strength of profile with the following compensating factors: 61.39% LTV/CLTV, XXX x XXX on mortgage/credit history. Exception downgraded to a level 2/B.; Using the amount from the asset account in file plus the cash-out to the Borrower, the reserves are still less than the XXX months required. Exception remains. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) According to XXX XXXa for XXX on a primary non-QM requires XXX-months reserves, shortfall XXX unable to utilize cash-out towards reserves. | LOE | 09/11/2025 | Received Client response requesting an exception supported by overall strength of profile with the following compensating factors: 61.39% LTV/CLTV, XXX x XXX on mortgage/credit history. Exception downgraded to a level 2/B.; Using the amount from the asset account in file plus the cash-out to the Borrower, the reserves are still less than the XXX months required. Exception remains. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 164290 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/20/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all the applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/3/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all the applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/1/2025 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 75% LTV > XXX% limit for Cash Out Refinance transaction with FICO XXX | XXX: Exception in file | 10/1/2025 | XXX: Exception received | 10/1/2025 | XXX months reserves greater than program requirement, XXX Housing history C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/8/2025 | Resolved | XXXX | Credit | Note Missing or Defective | Missing Prepayment Addendum. Closing Disclosure in file indicates that there is a XXX. | XXX: PPP uploaded | 8/11/2025 | XXX: Received PPP | 8/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164156 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Lender's name on Title Commitment Schedule A item no. 2a, "XXX", does not match lender's name per security instrument, "XXX". | Please see XXX corrected title. Thank you! | 1/30/2025 | XXX: Received updated title commitment. | 1/31/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 1/31/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164147 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/7/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/11/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing executed conveyance deed from XXX XXX to XXX and XXX. The one in file is unexecuted. | Deed uploaded. | 2/12/2025 | XXX: Received conveyance deed. | 2/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/11/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164170 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/12/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/14/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/19/2025 | Acknowledged | XXXX | Credit | Insufficient Assets to Close | Missing asset documentation. Per guidelines, borrowers who have owned the subject property for less than a year with no other investment properties cannot use cash out towards reserves. Provide asset documentation | Exception given by XXX to proceed using the cashout reserves with low LTV at XXX% subject to XXX month pre-pay penalty or the max allowed by the State. Please see screenshot. Thank you! | 2/19/2025 | XXX: Exception approval received. | 2/21/2025 | 65% LTV, XXX D B C A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/19/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/26/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/4/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/5/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/10/2025 | Resolved | XXXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | Borrower owns XXX% of business uploaded: Borrower owns XXX% of business. Business narative and EIN document States XXX as sole member | 3/27/2025 | XXX:EIN provided States that the borrower is sole member. XXX: Please provide document proving borrower is XXX% XXX of borrowing entity. XXX: Provided document is a Substitution of Trustee and Full Reconveyance. Please provide Operating Agreement for borrowing entity. | 3/31/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/10/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/10/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/12/2025 | Resolved | XXXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for borrowing entity: XXX XXX | Uploaded requested doc | 3/17/2025 | XXX: Received operating agreement. | 3/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/13/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/20/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/21/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 3/31/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 4/11/2025 | Resolved | XXXX | Property | Ineligible Property – Square Footage | Subject property has XXX square footage < XXX minimum square footage required for XXX. | Hi, please see XXX exception. | 4/25/2025 | XXX: Waived | 4/25/2025 | LTV lower under XXX% DSCR at least XXX Experienced investor owned subject property for XXX years B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 4/22/2025 | Resolved | XXXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after loan disbursement date of XX/XX/XXXX. Please provide updated hazard insurance with an effective date of at least XX/XX/XXXX | Hi, this is a Refinance. The one you are reviewing is the Renewal Policy. There is a policy from XX/XX/XXXX to XX/XX/XXXX on page XXX of our package. There was coverage at time of funding. | 4/23/2025 | XXX: Received | 4/25/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 5/2/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 5/5/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no XXX. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: uploaded | 5/16/2025 | XXX: Received | 5/16/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 5/6/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164199 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 5/12/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 5/20/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 6/24/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 6/26/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/14/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/17/2025 | Resolved | XXXX | Credit | Title Insurance Coverage - InXXX Coverage | Title insurance coverage of XXX < XXX minimum coverage required. | XX/XX/XXXX - Updated Title Insurance document uploaded | 7/22/2025 | XXX: Title Insurance received | 7/22/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/29/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/29/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/30/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 7/31/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/4/2025 | Resolved | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/6/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | XXXX | Credit | Asset Documentation Missing or Defective | Missing Asset Document | exception reviewed and approved by management. | 8/29/2025 | XXX: Exception waiver received | 8/29/2025 | DSCR XXX yrs credit depth, XXX yrs Mortgage History, all paid as agreed, no derogatory, LTV is 15% lower than max guidelines B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/6/2025 | Resolved | XXXX | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property: XXX | XXX: Lease | 8/14/2025 | XXX: Received Lease Agreement | 8/15/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/11/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/11/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/12/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/19/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/27/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/27/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 8/29/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/2/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/3/2025 | Resolved | XXXX | Credit | Title Insurance Coverage - InXXX Coverage | XXX Title Insurance Coverage < XXX Minimum Required | XX/XX/XXXX: Uploaded | 9/5/2025 | XXX: Received Title | 9/5/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/2/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/3/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/5/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Guarantor Identification Missing or Defective | Missing XXX issued ITIN letter to borrower XXX XXX |  |  | Rescinded | 9/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing partial satisfaction of mortgage in the amount of XXX listed in Schedule C No. XXX of Title Commitment | XX/XX/XXXX - Please review. | 9/17/2025 | Received | 9/18/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | deed uploaded | 9/22/2025 | Received deed | 9/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing partial satisfaction of mortgage in the amount of XXX listed in Schedule C No. XXX of Title Commitment | XXX: Doc uploaded | 9/12/2025 | XXX: Received Documentation | 9/12/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/10/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/11/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing partial satisfaction of mortgage in the amount of XXX listed in Schedule C No. XXX of Title Commitment | XX/XX/XXXX - doc uploaded | 9/15/2025 | Received | 9/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/11/2025 | Resolved | XXXX | Credit | Note Missing or Defective | Missing Prepayment Addendum. Settlement Statement in file reflects there is a XXX. | XXX: Updated Note with no PPP | 9/24/2025 | XXX: Received updated note | 9/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/11/2025 | Resolved | XXXX | Credit | Insufficient Assets for Reserves | XXX assets < XXX minimum liquidity required. Please provide additional assets. | XX/XX/XXXX----Wire to title for funds to close as requested. | 9/19/2025 | XXX: Received | 9/19/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Flood Insurance Missing or Defective | Missing Evidence of Flood Insurance for subject property: XXX XXX | flood dec uploaded | 9/22/2025 | Received flood insurance | 9/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/9/2025 | Resolved | XXXX | Credit | Excessive LTV Ratio | 80% LTV > 75% LTV Limit for ITIN Borrower |  |  | Rescinded | 9/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/11/2025 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 80% LTV < 75% LTV Limit for purchase of Fico score XXX | XXX: Please see exceptioan for the 5% LTV | 9/12/2025 | XXX: Received exception approval | 9/12/2025 | >XXX months reserves, DSCR >XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 164325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/11/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/15/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/16/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/18/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/18/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/19/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/19/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Missing evidence of satisfaction of schedule B Part I items XX/XX/XXXX | uploaded | 9/22/2025 | Received final title policy | 9/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/29/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to XXX | XXX: Deed XXX | 9/30/2025 | XXX: Received Deed | 9/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 164344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/30/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 9/30/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/2/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/7/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/7/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/9/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 162375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Borrower intends to self-manage the subject property as first-time investor. Guidelines require XXX minimum FICO for first time investors. |  |  | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) DSCR of XXX (minimum is XXX), XXX) Over XXX months PITIA reserves (XXX months required), XXX) Borrower owns primary residence free and clear and has owned investment property owned since XXX but did not document that property is rented. | 06/03/2025 | XXX) DSCR of XXX (minimum is XXX), XXX) Over XXX months PITIA reserves (XXX months required), XXX) Borrower owns primary residence free and clear and has owned investment property owned since XXX but did not document that property is rented. | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 162375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM5771 | Compliance | Missing evidence of a required disclosure at application. | Missing XXXX DSCR required Property Management Intention | ; Borrower's property management intentions were provided by Seller stating the borrower intends to self-manage the subject. ; | 06/03/2025 |  | 06/03/2025 | XXX) DSCR of XXX (minimum is XXX), XXX) Over XXX months PITIA reserves (XXX months required), XXX) Borrower owns primary residence free and clear and has owned investment property owned since XXX but did not document that property is rented. | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 162375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM3987 | Compliance | Missing evidence required disclosure provided at closing | Missing required XXXX DSCR Borrower Contact Consent Form | ; Received Borrower Contact Consent Form. Finding is resolved. ; Documentation received, XXX to review.; Document Uploaded. ; | 05/28/2025 |  | 05/28/2025 | XXX) DSCR of XXX (minimum is XXX), XXX) Over XXX months PITIA reserves (XXX months required), XXX) Borrower owns primary residence free and clear and has owned investment property owned since XXX but did not document that property is rented. | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 162367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX | ; ; ; | 05/28/2025 | Client approved post-close exception to allow XXX% of rents from XXX for vacant property rather than XXX% as per guidelines. Compensating factors: XXX) XXX is XXX max allowed is $XXX. XXX) Borrower has XXX in reserves; minimum of XXX months PITIA or XXX required. XXX) FICO is XXX; minimum FICO allowed is XXX) Borrower is experienced investor who owns primary residence. | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Final 1003 reflects borrower owns one additional investment property in XXX, but nothing in file to support experience or intentions | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/28/2025 | Documentation provided that supports rental property ownership history ; Borrower Rental Experience Within Guidelines | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Per guide version XX/XX/XXXX dated XXX Max LTV for DSCR score under XX/XX/XXXX and greater than XXX is XXX% | ; | 05/28/2025 | Audited LTV of 80% is less than or equal to Guideline LTV of 80% | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required property management intention declaration | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/23/2025 | Required management intention documentation provided, finding resolved | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Missing required Borrower contact consent form | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/20/2025 | Borrower contact consent received | 05/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; Condition Updated XXX; Documentation received, XXX to review.; Document Uploaded. ; | 06/30/2025 | XXX Master policy provided ; HO-6 Master Insurance Policy is fully present; Homeowners HO-6 policy provided (was located in file) Missing XXX Master Policy for XXX | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 80% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 162343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/25/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 80% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 162343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCRE1366 | Credit | Borrower 2 Award Letter Missing | Borrower 2 Award Letter Missing Missing social security benefits letter or proof of receipt. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/25/2025 | Borrower 2 Award Letter Provided or XXX (XXX equals XXX) | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 80% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX |  | 08/10/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 08/10/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Per XXXX DSCR v12 announcement dated XXX, geographic restrictions have been implemented in several counties, including XXX, where the subject property is located, as part of a recent guideline effecting all Debt Service Coverage Ratio (DSCR) loans, regardless of loan status, rendering the subject property's loan ineligible for purchase. | In XXX review. Nothing needed from the seller at this time. ; ; | 07/30/2025 | Resolving per client request to consider announcement placing geographic restriction on XXX effective XX/XX/XXXX was lifted effective XX/XX/XXXX. | 08/08/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Acknowledged | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXXX DSCR v12 effective XXX, six months of Rent Loss coverage is required. The hazard insurance policy provided shows no evidence of this coverage. |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXXX DSCR v12 guidelines require two months of bank Statements to verify assets. File only contains one month of bank Statements for all assets provided. |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Acknowledged | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | Commercial Note and Default Rate are outside XXXX DSCR v12 guidelines. |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report dated XXX reflects XXX tri-merge inquiry in the last XXX days with no LOX from borrower to confirm no new credit was opened. |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Acknowledged | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines The file is missing a third party property management agreement for the subject. The borrower only has XXX months of property management experience which means if the borrower intends to self-manage the property, the LTV would be restricted to a maximum of XXX% without having XXX years experience managing income producing properties. |  | 07/31/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX | 07/31/2025 | XXX) XXX in reserves XXX) borrower has owned primary XXX years XXX) mortgages paid as agreed since XXX D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 162329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Minimum FICO for first time investors is XXX | XXXX to view for waiver due to guideline issue | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX/XX/XXXX DSCR XXX) 42.86% LTV XXX) mortgage history paid as agreed XX/XX/XXXX-XX/XX/XXXX. | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% is less than Guideline LTV of 65% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 162329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Acknowledged | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines The loan file does not include any documentation to validate the Experienced Borrower status or evidence indicating whether the Borrowers intend to self-mange the subject property or use a professional management company. The lease agreements identify the Borrowers as the landlords, suggesting that they may currently self-manage the property. Per XXXX DSCR Program Eligibility Guide v13, Borrowers that intend to self-manage their properties must meet specific requirements: XXX Have three XXX years of experience managing income producing properties, XXX Have a certification or proof of equivalent coursework in real eState property management, or XXX First Time Investors permitted with a XXX minimum FICO, max LTV is 70%, minimum XXX months reserves. Based on the documentation in the file, the Borrowers do not meet the experienced borrower criteria or satisfy any of the three self-management requirements. The Borrowers own only the subject property (less than XXX properties) and have a Qualifying FICO score of XXX (which is below the minimum requirement of XXX). | exception to be viewed due to g/l issue with credit score exception | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX/XX/XXXX DSCR XXX) 42.86% LTV XXX) mortgage history paid as agreed XX/XX/XXXX-XX/XX/XXXX. | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% is less than Guideline LTV of 65% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 162329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXXX XXXX v13, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. The policy provided did not include any rent loss coverage. | ; Document Uploaded. ; Documentation received in XXX review.; ; Document Uploaded. ; hometown to confirm rent loss not part of guides XXXX to view for waiver | 08/13/2025 | Rent Loss Coverage Present | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% is less than Guideline LTV of 65% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 162329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FVAL9739 | Property | Property/Appraisal XXX | Property/Appraisal guideline violation: Per XXXX DSCR Program Eligibility Guide v13, all properties are required to be in lease ready condition with no renovations or repairs required, yet at the time of inspection on XX/XX/XXXX, the appraisal photos of vacant unit (#XXX), reveal several issues that suggest otherwise. The bathroom exhibits potential water damage or staining around, giving a dirty appearance that may require XXX or repair, both bedrooms reveal the XXX flooring has been partially removed, indicating an incomplete renovation needing full replacement, the living room door seems to be missing a knob and has dirty appearance, as well as the kitchen. These observations collectively indicate that Unit XXX requires multiple renovations, including flooring completion and XXX refurbishment to meet the lease-ready standard. Please note that the letter from Borrower, dated XX/XX/XXXX, indicates that they just finished painting and changing some fixtures, suggesting recent efforts to improve the unit condition. However, while the painting and fixtures may address some cosmetic or functional concerns, the remaining issues – such as completing the flooring indicate further work maybe needed to fully comply with the lease-ready condition standard. | NA; Documentation received, XXX to review.; Document Uploaded. Appraisal Rebuttal uploaded - per our guidelines, the subject meets property condition; HT to opine on healthy and safety concerns on appraisal | 08/13/2025 | Property/Appraisal Meets Guidelines | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% is less than Guideline LTV of 65% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 162329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Per XXXX DSCR Program Eligibility Guide v13, the lease agreement must be executed by both an Eligible Tenant and the borrower(s) (as landlord (s)). However, the provided lease agreement for Unit XXX consists only of the 1st page and does not contain signatures for either party. | ; ; Documentation received in XXX review.; ; | 08/13/2025 | Updated lease agreement provided | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% is less than Guideline LTV of 65% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 162409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received in XXX review.; Document Uploaded. ; ; ; | 09/16/2025 | Required Affiliated Business Disclosure Documentation Provided | 09/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.47% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.47% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 162408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Both borrowers are XXX and own their own businesses. The loan was approved with XXX months business bank Statements for each borrower. The guidelines require a Business Narrative form with a detailed explanation of the business, where it is located, number of employees, type of good/services and equipment used. This Business Narrative form was missing from the loan file. | ; ; Document Uploaded. ; | 09/13/2025 | Income and Employment Meet Guidelines | 09/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 160678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan file includes a VOR from a private party. Per the Lender Guideline: If a borrower's mortgage or rental history is not reported on the credit report, alternative documentation showing the most recent XXX-month history (VORs and VOMs from servicing per monthrtgage companies and companies/management companies, etc., cancelled checks, mortgage/rental Statements including payment history, etc.) should be provided. There is no evidence of cancelled checks or bank Statements to verify the Borrowers rental payment history. | Document Uploaded. I have XXX XXX XXX XXX and XXX bank Statement shows payment XXX due to utilities expense. XXX payment on page XXX out of XXX withdrawn on the XXX Statement payment shows on page XXX of XXX and was shorter due to repairs borrower made and deducted from the rent.; Document Uploaded. | 12/08/2025 | Housing History Meets Guideline Requirements; Bank Statements provided.; According to lender guidelines the most recent XXX months' history is required. Bank Statement printout verifies XXX months of withdrawals. Missing verification of previous rental history to validate a most recent XXX months' rental history as required per lender guideline. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 160678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan file includes gift funds and a Gift Letter that was used toward the purchase of the subject transaction. XXX requires the following in a Gift Letter; A XXX-compliant gift letter must be a written, signed, and dated Statement from the donor that includes the dollar amount of the gift, a Statement that no repayment is expected, and the donor's name, address, phone number, and relationship to the borrower. The Gift Letter in the loan file list the relationship to the Borrower as Coising. Audit is unable to determine the relationship of the Donor and Borrower. | Document Uploaded. corrected gift letter with both signatures uploaded | 12/11/2025 | Asset Qualification Meets Guideline Requirements; Gift Letter Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 160678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. | 10/03/2025 | Homeownership Counseling Disclosure Is Present or XXX | 10/05/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 160678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. | 10/03/2025 | Proof of Intent to Proceed has been provided. | 10/05/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 160678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 165811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165816 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within XXX business days of closing |  |  | HPML compliant | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165816 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165816 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 06/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.69% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.69% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.69% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.69% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.69% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.69% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | TRID Initial Closing Disclosure Date and Funding Date Validation Test | TRID Initial Closing Disclosure Date and Funding Date Validation Test |  |  | This loan passed test | 02/16/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Consummation or Reimbursement Date Validation Test | Consummation or Reimbursement Date Validation Test |  |  | This loan passed test | 02/17/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Reimbursement Amount Test | Reimbursement Amount Test |  |  | This loan passed test | 02/18/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines |  |  | This loan passed test | 02/19/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Prohibited Fees Test | Prohibited Fees Test |  |  | This loan passed the prohibited fees test. The loan does not charge a prohibited fee. | 02/16/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | Charges That Cannot Increase Test |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 02/16/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Charges That In Total Cannot Increase More Than XXX% Test |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 02/16/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2022 | Resolved | XXXX | Compliance | Per Diem Interest Amount Test | Per Diem Interest Amount Test |  |  | This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX does not exceed the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | 02/16/2022 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TILA APR Test | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (XXX), transferred from 12 CFR §226.22(a)(2), (XXX)) The annual percentage rate (APR) is XXX%. The disclosed APR of XXX% is not considered accurate because it is more than XX/XX/XXXX of XXX percentage point above or below the APR as determined in accordance with the actuarial method. |  |  | This loan passed the TILA APR test due to one or more of the following findings: (12 CFR §1026.22(a)(2), (XXX), transferred from 12 CFR §226.22(a)(2), (XXX)) The disclosed annual percentage rate (APR) of XXX% is considered accurate because it is not more than XX/XX/XXXX of XXX percentage point above or below the APR of XXX% as determined in accordance with the actuarial method; orThe disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TILA Rescission Finance Charge Test | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or XXX whichever is greater. |  |  | This loan passed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $XXX. The disclosed finance charge of XXX is considered accurate for purposes of rescission because:It is underStated by no more than XX/XX/XXXX of XXX percent of the face amount of the note or XXX whichever is greater; orIt is greater than the amount required to be disclosed. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Prohibited Fees Test | This loan failed the prohibited fees test. The loan charges a prohibited fee based on one or more the following findings: The loan charged more than one appraisal fee. (XXX Fin. Code §22317)The lender collected an "XXX" escrow or escrow related fee. The fee shall be considered "XXX" when paid to a person licensed or exempt under the Escrow Law (XXX Fin. Code §17000). (XXX Fin. Code §22318)The lender retained any statutory fees to be paid to a public officer. (XXX CCR §1457)The lender retained the notary fee. (XXX CCR §1458) |  |  | This loan passed the prohibited fees test. The loan does not charge a prohibited fee. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; XX/XX/XXXX Received copy of final CD XX/XX/XXXX |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TRID Rescission Total of Payments Test | This loan failed the TRID rescission total of payments test. (12 CFR §1026.23(g)(XXX)(ii) he total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or XXX whichever is greater. |  |  | This loan passed the TRID rescission total of payments test. (12 CFR §1026.23(g)(XXX)(ii) he total of payments is $XXX. The disclosed total of payments of XXX is considered accurate for purposes of rescission because:It is underStated by no more than XX/XX/XXXX of XXX percent of the face amount of the note or XXX whichever is greater; orIt is greater than the amount required to be disclosed. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2022 | Resolved | XXXX | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. We need a breakdown of the rental income calculations. |  |  | The borrower income verification does match approval | 01/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A XXX is added, causing the Statement regarding a XXX required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | This compliance test 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' is no longer tested | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test his loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. |  |  | This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested | 01/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2022 | Resolved | XXXX | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 01/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 02/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 02/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Revised Closing Disclosure Waiting Period Required Finding | Revised Closing Disclosure Waiting Period Required Finding (12 CFR §XXX(f)(XXX)(ii) he loan requires a new waiting period due to one of the following findings:The loan's APR has become inaccurate; orThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has changed or the features (negative amortization, interest only, or a balloon payment) on the loan have changed; orA XXX was added hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A XXX is added, causing the Statement regarding a XXX required under §1026.38(b) to become inaccurate. |  |  | Revised Closing Disclosure Waiting Period Required Finding (12 CFR §XXX(f)(XXX)(ii) he loan does not require a new waiting period due to all of the following findings:The loan's APR has not become inaccurate, andThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has not changed and the features (negative amortization, interest only, or a balloon payment) have not changed; andA XXX was not added hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A XXX is added, causing the Statement regarding a XXX required under §1026.38(b) to become inaccurate. | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more. |  |  | HPML compliant | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 164005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/18/2022 | Acknowledged | XXXX | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or XXX are less than the Guidelines minimum required of XX/XX/XXXX or $XXX.; The liquid reserves of XX/XX/XXXX months or XXX are less than the Guidelines minimum required of XX/XX/XXXX or $XXX. Please provide additional asset verification or an exception approval for less than XXX months of reserves. | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; Liquid Reserves of XXX months approved.; \*Borrower has been a XXX at the same school for XXX years; co-borrower has been a XXX flooring XXX for XXX years.; \*XX/XX/XXXX% with XXX monthly residual income.; \*Borrowers have occupied the subject property for XXX months; prior to subject they were renters at the same location for XXX years.; \*XXX credit score.; \*80% LTV.; \*Exception to allow XXX months reserves is approved. | 02/03/2022 | Lender exception approved | 02/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A | C | A D C | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 164155 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164186 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164185 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164153 | XXXXX |  | $XXXXXX C | D | D | D | D | D A B | A | A | A | A | A B |
| 164151 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164149 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164143 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164142 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164140 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 164168 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164166 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164165 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164131 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164183 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164122 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164163 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164181 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164161 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164159 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164180 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164157 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164179 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164177 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164175 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164193 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164173 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164123 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164206 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164245 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164204 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 164441 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164203 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164359 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164201 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164200 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164242 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164241 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164240 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164115 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164461 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164462 | XXXXX |  | $XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 164116 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 164197 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164446 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 164239 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164209 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164215 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164208 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164525 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164207 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164466 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164467 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164444 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164468 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164445 | XXXXX |  | $XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| 164136 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164292 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 164293 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164507 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164448 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164449 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164450 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164443 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164451 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164401 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164453 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 164295 | XXXXX |  | $XXXXXX D | C | C | C | C | C D A | A | A | A | A | A |
| 164296 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164454 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164297 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164298 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164499 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164455 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164402 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164456 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 164405 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164528 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164519 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164458 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164459 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164406 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164524 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164214 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 164299 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 164375 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164377 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164378 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164536 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164409 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164380 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164533 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164410 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164381 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164411 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164264 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164382 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164276 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164383 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164516 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164412 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164384 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164413 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164414 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164415 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164129 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164345 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 164387 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164130 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164389 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164390 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164280 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164391 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164498 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164266 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164392 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164393 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164281 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164395 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 164360 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164347 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164284 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164285 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164511 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 164253 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 164286 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164254 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164268 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164326 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164287 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164348 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164120 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164505 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164506 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164349 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164269 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164256 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164338 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164339 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164350 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164118 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164258 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164330 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164340 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164119 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164270 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 164503 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164271 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164273 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164274 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164259 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164260 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164492 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164306 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 164342 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164275 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164335 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 164509 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164308 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 164309 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164495 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164311 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164510 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 164304 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164312 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164473 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164191 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 164472 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A B |
| 164190 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 164189 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164323 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164489 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164526 | XXXXX |  | $XXXXXX C | B | B | B | B | B C A | A | A | A | A | A B |
| 164288 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164291 | XXXXX |  | $XXXXXX C | A | A | A | A | A D | A | A | A | A | A |
| 164490 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 164539 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 164290 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164289 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164488 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 164211 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164156 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164154 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164147 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164144 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164138 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164170 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164132 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164171 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164167 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 164150 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164146 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164496 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164162 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164178 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164176 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164182 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164169 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164529 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164187 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164158 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164534 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 164530 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164117 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164202 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164244 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164199 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164531 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164465 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164442 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164452 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164520 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164460 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164407 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164408 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164403 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164385 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164301 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164111 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 164386 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164394 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164388 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164379 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164265 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164283 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164282 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164532 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164263 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164272 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164262 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164491 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164213 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164527 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164324 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164279 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164127 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164346 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164257 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164351 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164325 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164255 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 164305 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164310 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164343 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164508 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164329 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164337 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164331 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 164344 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164307 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164327 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164333 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164302 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164332 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164334 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 162375 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 162367 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 162343 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 162412 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 162329 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 162409 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 162408 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 160678 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 165811 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165816 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165823 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165821 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165817 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 162395 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 162378 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 162330 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164188 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164049 |  |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 164005 |  |  | $XXXXXX C | C | C | C | C | C D B | A | A | A | A | A B |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 164156 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164155 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.5 | 65.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 164186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 164154 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164185 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 164153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 164151 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164150 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 164149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.35 | 76.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164147 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 164146 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 54.29% | 54.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164144 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 164170 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.66% | 58.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 164169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164143 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 164142 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 164140 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 164168 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 164167 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 164138 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164166 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164165 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0244 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0244 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 164534 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.71% | 64.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 164132 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.24% | 63.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | 1004 URAR | XXX | XXX | .0000 | Desk Review | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164183 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164182 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.46% | 68.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 164163 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164162 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.95% | 64.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164181 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 164161 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 164159 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.13 | 78.13 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 164158 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.91% | 74.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164180 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 164157 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 164496 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164179 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164178 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 164177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 164176 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164529 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164175 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 164193 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 164123 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.86 | 51.86 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 164206 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164245 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164204 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 164441 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164203 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.28 | 69.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 164530 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.89% | 66.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 164202 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 51.32% | 51.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 164244 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 164359 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 164201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 164200 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.83 | 74.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164242 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 164241 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.45 | 61.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164240 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164115 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164117 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164462 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 164531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164197 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 164446 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164239 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164209 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 164215 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.14 | 62.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164208 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164207 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.76 | 59.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164465 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 164466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  | XXX | XXX | .0000 | Desk Review | XXX | XXX | -.0097 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 164467 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.85 | 69.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164442 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.16% | 67.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164444 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 164468 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 164445 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 164508 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164136 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164292 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.86 | 69.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 164293 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 164507 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164448 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 164450 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164452 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 2.5 |  |
| 164401 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 164453 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 164296 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 30.9 | 30.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 164454 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.8 | 89.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164297 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 164298 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 164499 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164402 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164456 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 164403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 2.6 |  |
| 164405 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.5 | 47.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164458 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.88 | 54.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 164459 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 164406 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164524 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164214 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 164299 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 164460 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164520 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.42% | 60.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164301 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 164375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.69 | 57.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164407 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164377 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164378 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164213 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.2 |  |
| 164262 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164379 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 164536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164409 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164380 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164410 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0303 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164263 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.07% | 69.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 164381 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 164264 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.96 | 38.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164382 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164276 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 164383 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 164516 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164412 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164384 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164413 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 164414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164415 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164385 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.69% | 60.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164386 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 35.71% | 35.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 164345 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.14 | 60.14 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 164387 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164527 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 164130 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164388 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 53.86% | 53.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 164324 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 164279 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 164390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164346 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164498 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 164111 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164266 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0313 | Desk Review |  |  |  |  | XXX | XXX | .0313 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0313 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 164392 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 164393 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164394 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 58.33% | 58.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164282 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 164360 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164283 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164325 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 164491 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.64% | 63.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164284 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 164511 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164253 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 164286 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.15 | 71.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164254 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164268 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164326 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164287 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.37 | 79.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 164348 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 164327 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.68% | 73.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 164255 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 164269 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 164329 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164256 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 164338 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164339 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.92 | 74.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164257 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.79% | 64.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164350 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.78 | 54.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164118 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 164258 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164330 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 164305 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 164340 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 164270 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.72 | 69.72 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 164503 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 164271 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.71 | 57.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 164272 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164273 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 164274 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164127 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164259 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164532 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164492 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 164306 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 164342 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164343 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.53% | 63.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164337 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 164275 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164344 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 164332 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 164333 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 164335 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 164509 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164307 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 164308 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164309 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 164302 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 164310 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.52% | 69.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164495 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164311 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 164510 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164304 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164312 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164473 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 164191 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164472 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164488 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | XXX | XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164190 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 164323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | XXX | XXX | .0625 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0625 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164489 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.27 | 16.27 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 164526 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.16 | 63.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 164288 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 164289 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.30% | 69.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 164290 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 164291 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.62 | 73.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 164490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164539 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.39 | 61.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 162375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 162367 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 162343 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 30.67 | 30.67 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 162412 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162329 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 42.86 | 42.86 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162409 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.47 | 39.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 162408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 160678 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 165811 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 165816 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165823 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 165821 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 165817 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0020 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0020 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 162395 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 162378 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.69 | 56.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 162330 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 164188 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164049 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 164005 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Seller Loan ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 164489 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164526 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164288 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164291 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164490 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164539 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 1 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164290 |  |  |  | ATR/QM: Exempt | XXX | XXX |  | XXX |  |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 5.00 |  |  | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164289 |  |  |  | ATR/QM: Exempt | XXX | XXX |  | XXX |  |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 5.00 |  |  | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164488 |  |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164211 |  |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164156 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164154 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164147 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164144 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164138 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164170 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164132 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164171 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 164167 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164150 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164146 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164496 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164162 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164178 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164176 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164182 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164169 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164529 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164187 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164158 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164534 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164530 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164117 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | N/A | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164202 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164244 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164199 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164531 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164465 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164442 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164452 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164520 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164460 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164407 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164408 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164403 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164385 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164301 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164111 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164386 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164394 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164388 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164379 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164265 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164283 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164282 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 164532 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164263 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 3 | 3 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 3 | 3 | 0 |  | No | XXX |
| 164272 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164262 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164491 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164213 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164527 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164324 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164279 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164127 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164346 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164257 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164351 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164325 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 164255 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164305 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164310 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164343 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164508 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164329 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164337 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164331 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164344 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164307 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164327 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164333 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164302 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164332 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164334 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164153 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164149 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164143 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164155 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164168 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164151 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164157 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 4 | Business | 100.00 |  | 4 |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164166 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164165 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164131 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164142 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 | 12 |  | 12 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164161 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164183 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164186 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164140 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 6.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 164180 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164179 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% |  | Audited | 13 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164185 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164173 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164122 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 164181 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164163 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164159 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164177 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164189 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164191 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 164190 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164123 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 3 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164201 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164115 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164175 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 00 |  | No | XXX |
| 164245 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164240 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164206 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164203 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164241 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164446 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | Yes | XXX | 0 | 1 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164462 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164209 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164200 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 |  |  | No | XXX |
| 164208 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164204 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164116 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 15 | Business and Personal | 100.00 |  |  | 15 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164525 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164461 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164242 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164466 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164239 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164207 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164197 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164468 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 164193 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164467 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164449 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164448 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164445 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164454 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164443 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164453 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164450 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164472 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  |  | XXX% | Audited | 12 | Yes | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164444 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164451 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164456 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164441 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164410 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | No | Yes | XXX | No | XXX | 0 | 2 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164458 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164414 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Borrower Prepared | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164409 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% | XXX% | Third-Party Prepared (Unaudited) | 24 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164406 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164524 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164380 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164297 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  |  |  | Borrower Prepared | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164389 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Borrower Prepared | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164455 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164378 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164382 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164507 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164411 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164402 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164295 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164516 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 |  |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164381 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164299 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164536 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  |  | XXX% | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164390 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164473 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164405 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164375 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164412 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164384 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164214 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | Yes | XXX | 0 | 1 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164401 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164533 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 5 | Business | 100.00 |  | 5 |  | XXX% |  | Audited | 12 | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164293 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 2 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164528 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164292 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164296 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164298 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164383 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164377 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164276 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Audited | 12 | Yes | No | XXX | Yes | XXX | 1 | 0 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164413 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164415 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164392 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164391 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164393 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164519 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX% | XXX% | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164387 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 6 | Yes | No | XXX | No | XXX | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164345 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164281 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164505 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164459 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164395 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164285 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164129 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164287 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164130 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164264 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164274 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164119 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164511 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164118 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164360 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164253 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164359 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164254 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164349 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  | Borrower Prepared | 7 | Yes | No | XXX | Yes | XXX | 1 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164348 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164275 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164503 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164270 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164498 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 1 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164271 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 16 | Business | 100.00 |  | 16 |  | XXX% |  |  |  | Yes | No | XXX | Yes | XXX | 0 | 1 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164266 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164347 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164273 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 2 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164256 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164260 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164269 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164284 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164286 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 164506 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164280 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164268 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164259 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164136 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164258 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Audited | 13 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164323 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 164338 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164339 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164499 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164492 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164330 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  |  |  | Borrower Prepared | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164120 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164340 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164495 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164309 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164335 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 1 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164311 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164509 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164306 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164312 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164215 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164308 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164510 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164326 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164304 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business and Personal | 100.00 |  |  | 13 | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164350 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164342 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162375 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 162367 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162343 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 162412 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | Yes | XXX |
| 162329 |  |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | Yes | XXX |
| 162409 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162408 |  | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 160678 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 165811 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 165816 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 165823 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 165821 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 165817 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162395 |  | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX% |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162378 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 162330 |  | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164188 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | XXX | XXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164049 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 1 | 0 | No | 1 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 164005 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | XXX | XXX | Yes | 60 | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 1 | 0 | No | 1 | 1 | 1 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  |  |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

PRPM 2026-NQM1

Dated: February 17, 2026

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| |
|:---|
| **290 S. Preston Road \| Suite 370 \| Prosper, TX 75078** |
| **P: 888.892.1843** **\| evolvemortgageservices.com** |

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![](ex99-6_004.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by PRP-Annex VI AIV, LLC, and together with its affiliates (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 1 Loans, including 1 Residential Loan, totaling an aggregate original principal balance of approximately $400,000.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc, the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

**Quality or integrity of information or data about the assets: review and methodology.**

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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Additional information about the data integrity review is included below.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

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![](ex99-6_004.jpg)

Forward Thinking. Seamless Solutions.

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Evolve reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Evolve. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, Evolve verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** Evolve's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, Evolve: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** Evolve assessed whether the asset documentation required by the guidelines and, as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Evolve completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| Page |

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![](ex99-6_004.jpg)

Forward Thinking. Seamless Solutions.

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** Evolve confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Evolve confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Evolve reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Evolve confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| Page |

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![](ex99-6_004.jpg)

Forward Thinking. Seamless Solutions.

**Title Review:** Evolve's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Evolve also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

Additionally, Evolve verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

**Value of collateral securing the assets: review and methodology.**

Evolve's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| Page |

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![](ex99-6_004.jpg)

Forward Thinking. Seamless Solutions.

With regard to the use of comparable properties, Evolve's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

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**APPENDIX A**

**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

 ****

Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

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Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission
 notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business
 day rescission period; and

vi) any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and
 final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR)
 outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements;

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE
 form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

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iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service
 provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was
 provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE
 provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing
 Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated
 Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the
 enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement
 and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or
 governing policies and procedures, Evolve's review was limited to formal general statements of entity compliance provided by
 the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan
 originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor
 obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization
 feature;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms
 of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of
 the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor
 financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of
 loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or
 loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor
 provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to
 Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard
 mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM)
 (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24
 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified
 mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of
 the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

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Forward Thinking. Seamless Solutions.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written
 estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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Forward Thinking. Seamless Solutions.

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

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## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| |
|:---|
| ![](ex99-6sch1_001.jpg) |
| **Data Compare** |
| **Run Date - 02/17/2026 7:15:37 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.43470 | Verified |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| |
|:---|
| ![](ex99-6sch2_001.jpg) |
| **Exception Detail** |
| **Run Date - 02/17/2026 7:15:37 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Occupancy** | **Purpose** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | 6403857 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide conditional approval. | Documentation has been provided. |  | Client 09/28/2021 09:07 AM; please see approval<br>Reviewer 09/30/2021 09:00 AM; cleared 9/29<br>| 09/28/2021 |  | A | 1 | XXXXXXXXXX CA | 1 | 3 C A |  | Non-QM | 1 |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | 6746218 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide conditional approval. | Documentation has been provided. |  | Client 09/28/2021 09:07 AM; please see approval<br>Reviewer 09/30/2021 09:00 AM; cleared 9/29<br>| 09/28/2021 |  | A | 1 | XXXXXXXXXX CA | 1 | 3 C A |  | Non-QM | 1 |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | 6899486 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide conditional approval. | Documentation has been provided. |  | Client 09/28/2021 09:07 AM; please see approval<br>Reviewer 09/30/2021 09:00 AM; cleared 9/29<br>| 09/28/2021 |  | A | 1 | XXXXXXXXXX CA | 1 | 3 C A |  | Non-QM | 1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| |
|:---|
| ![](ex99-6sch3_001.jpg) |
| **QM ATR Data** |
| **Run Date - 02/17/2026 7:15:37 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $8196.00 | 07/29/2021 | 3.978% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| |
|:---|
| ![](ex99-6sch4_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 02/17/2026 7:15:37 AM** |

---

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| |
|:---|
| ![](ex99-6sch5_001.jpg) |
| **Valuation Report** |
| **Run Date - 02/17/2026 7:15:37 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 164048 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by PRP-Annex VI AIV, LLC (the "Client"). The Review took place from October 2025 to November 2025 on Loans with origination dates in October 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 3 Loans totaling an original principal balance of approximately $2,060,700.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 2 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (21 Fields)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;OriginatorQMStatus |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;Occupancy |  |

---

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (2 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

![](ex99-7_001.jpg)

**Credit Application:** For the Credit Application, TSG verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, TSG completed a review of large deposits and completed the reserve calculation. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** TSG confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** TSG reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, TSG conditioned the mortgage loan for the missing fraud report product.

![](ex99-7_001.jpg)

If a report was present, TSG reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, TSG confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** TSG reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii)borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

![](ex99-7_001.jpg)

**Value of collateral securing the assets: review and methodology.**

TSG's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Additional facets of TSG's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (2 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While TSG continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

![](ex99-7_001.jpg)

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged TSG to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by TSG are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to
re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of
the transaction;

![](ex99-7_001.jpg)

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG reviewed the relevant documents in the mortgage loan file and, as necessary,
attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan
originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, TSG's
review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements,
for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage
loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were
within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

![](ex99-7_001.jpg)

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required
disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial
CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file
contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by
the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

TSG reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

 

![](ex99-7_001.jpg)

 

**General Ability to Repay**

TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

TSG reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). TSG does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

 

**(VI) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

**(IX) Recording Review**

TSG noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time TSG reviewed the mortgage loans and thus have not yet been recorded. TSG verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

![](ex99-7_001.jpg)

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

**(XI) Document Review**

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

![](ex99-7_001.jpg)

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

100% of Loans received an "A" compliance grade and 0 Loans received a compliance grade of "B."

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

![](ex99-7_001.jpg)

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 56 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% | &nbsp;&nbsp;$2060700.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% | &nbsp;&nbsp;$2060700.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

![](ex99-7_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1800000.00 | &nbsp;&nbsp;87.35% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$260700.00 | &nbsp;&nbsp;12.65%% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1385700.00 | &nbsp;&nbsp;67.24% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$675000.00 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% | &nbsp;&nbsp;$2060700.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$675000.00 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;ME | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$260700.00 | &nbsp;&nbsp;12.65% |
| &nbsp;&nbsp;WI | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$1125000.00 | &nbsp;&nbsp;54.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2060700.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| REDACTED |  | 163078 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 163084 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 12563.75 | 7.703 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 163074 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 750 | 6.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12860.07 | Yes | Not Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 163078 |  | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 163078 |  | REDACTED | Occupancy | the1003Page | Investment | Investment Property |  |
| REDACTED |  | 163078 |  | REDACTED | CLTV | propertyValuationPage | 72.86 | 74 | purchase price vs appraised value |
| REDACTED |  | 163084 |  | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 163074 |  | REDACTED | Property City | notePage | REDACTED | REDACTED | Note page 317 reflects REDACTED. |
| REDACTED |  | 163074 |  | REDACTED | CLTV | propertyValuationPage | 72.58 | 73.77 | LM error property page reflects 73.77% |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| REDACTED |  | 163078 | C B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Acknowledged-Exception received to allow loan to close without paying off collection for $REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Collection with REDACTED for $REDACTED is required to be paid off prior to closing per lender guidelines (Section 10.5 - Pg 24 of 54). (LOE in file on page 139.) - Due Diligence Vendor-REDACTED | Collection was for a timeshare that the borrower tried to rescind but states the company refused the rescission, borrower intends to continue fighting this situation, 12 months reserves & 6 months remaining if we subtract collection amount, 0X30X24 mortgage history - REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Exception received to allow loan to close without paying off collection for $REDACTED - Due Diligence Vendor-REDACTED |  | Collection was for a timeshare that the borrower tried to rescind but states the company refused the rescission, borrower intends to continue fighting this situation, 12 months reserves & 6 months remaining if we subtract collection amount, 0X30X24 mortgage history | UW exceptionREDACTED REDACTED.docx | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase NA | Originator Post-Close | Yes |
| REDACTED |  | 163084 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase NA |  |  |
| REDACTED |  | 163074 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated REDACTED page 78 used for review with debts of $REDACTED. However, 1008 page 6 reflects $REDACTED total debts originally used. A GAP report with the updated debts was not located in the file as required by guidelines page 35 during review. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase NA | N/A | N/A |
| REDACTED |  | 163074 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 2 Gap Credit Report is Missing Credit report dated REDACTED page 78 used for review with debts of $REDACTED. However, 1008 page 6 reflects $REDACTED total debts originally used. A GAP report with the updated debts was not located in the file as required by guidelines page 35 during review. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase NA | N/A | N/A |
| REDACTED |  | 163074 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the bold lettering in schedule B F 1 stating that this loan is a purchase and will not appear on the final title policy. Please also see the very last 2 pages. It's an affidavit to support the statement. <br> Thanks! - Buyer-REDACTED <br> Open-Verification that the judgment on the preliminary title - pg 510 - Item 4f is removed from the final title policy - Due Diligence Vendor-REDACTED |  | Resolved-Title received - Due Diligence Vendor-REDACTED |  |  | Title Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase NA | N/A | N/A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Original Loan Amount** |
| REDACTED |  | 163078 |  | REDACTED B |
| REDACTED |  | 163084 |  | REDACTED |
| REDACTED |  | 163074 |  | REDACTED |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | 163078 |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | 73.44 | 73.44 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED |  |
| REDACTED |  | 163084 |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | 72.97 | 72.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 163074 |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | 73.77 | 73.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.8

**Exhibit 99.8**

PRPM 2026-NQM1

Opus Capital Markets Consultants, LLC

![](ex99-8_002.jpg)

**Executive Narrative**

**February 18, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**PRP-Annex VI AIV, LLC**

The report summarizes the results of a quality control ("QC") due diligence review performed on a pool of 47 credit and compliance loans by Opus Capital Markets Consultants, LLC ("Consultant") on behalf of PRP-Annex VI AIV, LLC ("Client").

As detailed herein, the pool contains thirteen (13) Non-QM loans and thirty-four (34) Not Covered/Exempt, DSCR loans.

Consultant performed the QC review of a prior securitization review completed by Recovco Mortgage Management LLC ("Recovco") on behalf of PRP-Annex VI AIV, LLC ("Client"). Consultant additionally performed the QC review of a prior securitization review completed by Infinity IPS ("Infinity") on behalf of PRP-Annex VI AIV, LLC ("Client"). Consultant was able to validate 53 of the 53 exceptions in this population of 47 credit and compliance loans.

Consultant additionally summarizes the results of a due diligence review performed on a pool of 5 credit and compliance loans, of which were purchased by PRP-Annex VI AIV, LLC ("Client") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

The scope of review previously completed by Recovco and QC'd by Opus of 37 loans is identified as the scope of services under the terms of Exhibit A below.

The scope of review previously completed by Infinity and QC'd by Opus of 5 loans is identified as the scope of services under the terms of Exhibit A below.

The scope of review completed by Opus of 5 loans is identified as the scope of services under the terms of Exhibit B below.

The scope of review previously completed by Recovco of 37 loans is identified as the scope of services under the terms of Exhibit C below.

The scope of review previously completed by Infinity of 5 loans is identified as the scope of services under the terms of Exhibit D below.

EXHIBIT A

**Scope of Services:**

**QC Review:**

&nbsp;&nbsp;&nbsp;&nbsp;1. Data Collection:

The Consultant shall obtain all necessary Option 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.

&nbsp;&nbsp;&nbsp;&nbsp;2. 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.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Findings Review:** The Consultant shall conduct a comprehensive review of all Investment Options identified with exceptions in
the final report. This review shall include verification that all required trailing documents are present within the respective Investment
Option 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Tax and Title Review:** The Consultant will perform a title review and perform the following procedures:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review 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 Option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm subject security instrument is recorded.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Schedule B: Ensure any liens recorded prior to the security instrument recordation date are listed to exceptions on the final
title policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Super lien Homeowners' Association (HOA) liens.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For the purpose of the review the following states are subject to HOA super liens:

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;e) **Intrinsic Value Review:** The Consultant will review the AVMs used in Unison's proprietary valuation approach to recalculate
the intrinsic value of each Investment Options. For the purposes of this engagement, the Consultant has confirmed that Unison Midgard
Holdings LLC updates mortgage loan values on a monthly basis and will provide updated valuations directly to the required parties, as
applicable.

&nbsp;&nbsp;&nbsp;&nbsp;f) **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

**Opus Capital Markets Consultants, LLC**

**STATEMENT OF WORK**

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

g) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In
lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

h) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

i) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client provided underwriting guidelines.

j) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

k) **Debt Ratio:** Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

l) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the
appraisal(s) meet the requirements of Client provided underwriting guidelines.

m) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

n) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

o) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

p) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**<br>

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance
Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest
of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a
final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing
Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage,
hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to
meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan 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 loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. 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. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular
payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) 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 six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the 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 by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated, no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping' definition, a second
appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):<br>

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm compliance with current RESPA requirements in effect
at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be defined by Regulation X and generally be considered
complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees, including Yield Spread Premium
("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable and customary fees for
the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location
on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance form is required to
accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate
after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental
problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business
days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was
provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted
origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must
be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original
GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance
with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately reflected in the correct tolerance
category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided borrower adequate restitution
in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed between the Good
Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed
on the Good Faith Estimate (GFE) and Final HUD-

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW** 

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a.** **Ability to Repay** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to
the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage related obligations for the proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&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. If all of the verifications are made and each of the eight topic areas is confirmed to agree with the
representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test.
If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will
not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit
and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b.** **Qualified Mortgage** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes review of all available QM types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised, and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate
changes for adjustable or step rates.

&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. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that exceeds FHA premiums;

&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. Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not
review lender or broker compensation programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or
charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation
or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&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. Bona fide third-party charges not retained by the creditor;

&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. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is
consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential
appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point
if the loan's interest rate before the discount does not exceed APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\*

&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. 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than $12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first
five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment, and debts in accordance with Appendix Q.

&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. DTI. The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous
loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided
by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing
this test also results in returning an overall QM status of Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **Monthly Payment.** The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the
first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Consider and Verify.** The creditor must consider and verify the consumer's current or reasonably expected income or assets
other than the value of the dwelling (including any real property attached to the dwelling) that secures the loan, debt obligations, alimony,
child support, and debt-to-income ratio or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider" requirement, Consultant will review the (a) creditor's policies and procedures
provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors enumerated above,
and (b) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting system certification
in combination with the creditor's applicable underwriting standards and any applicable exceptions
described in its policies and procedures , showing how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is deemed to have complied with the "verify" requirement if it complies with the verification
standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family Guaranteed Loan Program, revised
March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of compliance with the requirement to verify through reasonably reliable third-party records, a creditor need only comply
with those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using
specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony,
and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with the verification requirement where it complies with revised versions of
the manuals listed above, provided that the two versions are "substantially similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix and match" verification standards from different agency manuals. Consultant
will test the creditor's "verification" of third- party records in instances when the creditor either uses (a) its own
procedures or alternatively, (b) the verification standards of one or more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as
underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the "consider"
and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor,
its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the
particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify
and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support – as well
as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition, Consultant is not responsible for determining
whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor;
such a determination of the sole responsibility of the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Consultant will
review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria
for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not
opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable law, and
cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions
using such work product.

&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. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not exceed APOR for a comparable transaction as of the date the interest rate
is set the following loan amount thresholds (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage
points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5
or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage
points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured by a manufactured home with loan amount less than $110,260\*, 6.5 or more
percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The APR used on short term ARMs of five years or less uses the maximum rate in
the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and
hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction
by 1.5 percentage points or more as of the date the interest rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable presumption that the consumer had the ability to repay if the APR exceeds the
APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds
for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which
will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac.
The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&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. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(7)** **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets the test for "Agency QM" and the APOR test
applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and
24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture
under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&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. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test (Legacy QM), APR-APOR spread test (Revised QM), or guideline review (TQM)
and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

---

| | |
|:---|:---|
| • QM/TQM-ATR Pass / Non-HPML | [QM or TQM – Pass / HPML – No] |
| • QM/TQM-ATR Pass / HPML | [QM or TQM – Pass / HPML – Yes] |
| • ATR Fail / Non-HPML | [QM or TQM – Fail / HPML – No] |
| • ATR Fail / HPML | [QM or TQM - Fail / HPML – Yes] |
| • NonQM / Compliant | [NonQM or TQM Loan, Exempt / ATR – Compliant] |
| • NonQM / Noncompliant | [NonQM or TQM Loan, Exempt / ATR –Noncompliant] |
| • Not Covered – / Exempt | [QM or TQM – Exempt / ATR – Exempt] |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

• VSH Confirmed [Verified Safe Harbor]

• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM,
a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage
points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average
Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.<br>

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID** **<br>** 

<br> 1) TILA RESPA Integrated Disclosure Statement of Work<br>

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;· The Application Date is October 3, 2015, or later (the earlier of the date
the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type includes a closed-end mortgage secured
by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance (Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client
instructions)

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;· For purposes of determination of Occupancy, TRID applies to loans for owner
occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will apply the standard exemptions from TILA, i.e., business purposes
loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus will not test such loans for TRID compliance.<br>

**Loan Estimate (″LE″)**

&nbsp;&nbsp;&nbsp;&nbsp;1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements as to whether the Initial
LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the
earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the
date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the LE does not contain a signature
line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other
Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the correct form is used and all sections of the Initial
LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the LE is NOT included in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed and formatting
is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· "Can this amount increase after closing?" and "Does the
loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good through date, time and time zone disclosed with
minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections are complete and accurate based
on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order within Section with certain
exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments, Step Payments, or Seasonal
Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table
disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· In 5 Years calculations for Total of Payments (TOP) and Total Principal
Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· APR is accurate within tolerance based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· Total interest Percentage (TIP) is accurate based on the loan terms disclosed
on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete<br>

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Changed Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Change Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Revisions requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Expiration of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Delayed settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Timing Requirement for LE 7 days prior to consummation<br>

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;· Review and analyze each LE in file to determine final Binding LE. If there
is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as
set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered
the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC
events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements that there have been
no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least
four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the correct form is used and all sections of the Initial
LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the LE is NOT included in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed and formatting
is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify loan term, purpose, and product descriptions follow the prescribed
format.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify all applicants applying for credit, as disclosed on the application,
are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good through date, time and time zone disclosed with
minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections are complete and accurate based
on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order within Section with certain
exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments, Step Payments, or Seasonal
Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table
disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to the lender, broker or an affiliate of either lender or broker
[fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to an unaffiliated third party if the lender did not permit the
borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;· Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;· Lender Credits

Any fees that increase on the CD and 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 § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently 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. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a 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).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services not paid to creditor or affiliate AND borrower
permitted to shop for service but selects a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid mortgage insurance will be treated as a 10% tolerance fee if it
can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;· Client considers seller-paid fees or fees paid by third-parties as borrower-paid
for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) – (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;· Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;· Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for services required by the creditor but the borrower is permitted
to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services NOT required by the creditor (even if paid
to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid property taxes charged by local and state governments periodically
will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed by the
Client.

&nbsp;&nbsp;&nbsp;&nbsp;· As noted above, Opus will review the loan file for evidence the disclosure
was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information reasonably
available to them at the time the LE was provided. Absent such evidence, Opus will consider the disclosures made in "good faith".
Two examples where a disclosure would be considered not made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails to include a homeowner's insurance premium; a finding will be added
that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be paid from the 30th of that month,
a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;· Review for documentation itemizing fees from the Binding LE to determine
unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If no fee itemization is found,
tolerance testing will be performed based on the information in the disclosures and a tolerance violation will be noted if applicable.
Utilize fee information from closing instructions or a vendor compliance report, if the file contains the referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with no Interim LE and no COC or BRC occurring four (4) days prior
to consummation, fees and charges on the CD are tested for compliance with permitted variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with an Interim LE, the following procedures will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of each Interim LE and fees and charges on the CD are tested for
compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;· In cases where an Interim LE is issued with several fee increases, but only
some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC or disclosed
on an LE that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance using the amounts
disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Recommendation: Closing Disclosure provided at closing be marked "Final."
Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· That the correct form is used and all sections of the CD are completed (no
blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of receipt by all borrowers with a right to rescind under
1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include the non-borrowing
spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· If the CD does not contain a signature line for the consumer's signature,
Opus will look for the required alternative statement in "Other Disclosures" with the heading of "Loan Acceptance".
While not required, Opus highly recommends that the client require the CD to be signed and dated by the consumer as it will ensure a timely
review.

&nbsp;&nbsp;&nbsp;&nbsp;· If a subsequent CD is issued having changes to (a) the loan product which
affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed
APR by more than 1/8 or ¼ of one percent on regular or irregular transactions, as the case may be for accuracy. Consultant will
test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close CD with (a) the
final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre-close CD has been received by borrower
by consummation. APR reductions beyond these tolerances require the additional 3 day waiting period unless the overstated APR was based
on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;· On the interim and final pre-close CDs the following checks and limitations
apply:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the CD is out of scope in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· Closing, Transaction and Loan Information sections have been completed with
accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify loan term, purpose, and product descriptions follow the
prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify all applicants applying for credit, as disclosed on the
application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees have been disclosed properly (alphabetically, correct buckets and all
title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;· Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o CD Assumption, Demand Feature, Negative Amortization, and Partial Payments
sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Late Payment completed properly (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Escrow Amount section completed properly (only one box selected and amounts
disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be calculated per the payments scheduled
to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year to be calculated using either 11
or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only, Optional Payments, Step Payments, or Seasonal Payments,
is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed
accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that are paid by the borrower as well
as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Capture amounts disclosed in Loan Calculations section and test for TILA
tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice selected as
applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection of one of the two options in the
Liability After Foreclosure section, but will not make an independent judgment whether or not the selection is correct for the property
state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete with information from each party
of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding
rules verified as per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated so that a zero is not
disclosed in the last decimal place (7.250 should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;· In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - No Receipt Confirmation in File: three (3) business days from
later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;· Mail (USPS or other parcel delivery service) – No Receipt Confirmation
in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation
that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction
constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.<br>

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms prior to TRID effective date: a finding will be cited
if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms on loans not covered by TRID: a finding will be cited
if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans
on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;· Your Home Loan Toolkit: a finding will be cited if the new Your Home Loan
Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or was not provided to the borrower
within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;· Consummation Date: Consummation varies by applicable state law and the term
is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers and they do not all sign the
documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;· Post-Consummation Disclosures: TRID review scope will not include testing
for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· If within 30 days of consummation, an event in connection with the settlement
of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually
paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered or placed in the mail to the
borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;· Non-numeric clerical errors, for the purpose of this scope document are
any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the
mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited
to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the closing information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the transaction information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric identifiers in the Estimated Taxes, Insurance
& Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the fee labels and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the location of the fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the "Did This Change" section of Calculating
Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Loan Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric items in the Escrow Account section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Other Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;· 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Test for evidence such as a copy of the refund check, a new corrected CD,
and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.<br>

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.<br>

**Additional Disclosures and Requirements:<br>** 

<br> Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home
Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general
business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days,
as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party
services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations** **<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat.
§ 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia
 Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill
 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal
Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana
Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code § 24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs.
 §§ <u>09.03.06.01</u> et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann.
§ 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat §
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New
Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in
NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§
24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a),
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio
Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit
County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma
Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode
Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking
Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas
High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July
1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review<br>** 

<br> Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent
imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.<br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged
property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare** **<br>** 

<br> Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria** **<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria<br>** 

<br> 1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is
missing material documentation.

**Opus Property Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the
loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION** **<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity
position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or
owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm
management experience meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly
formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind
the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC
meets Underwriting Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property
and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo
Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged
property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review
and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

 

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness
of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit
report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing
payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of
mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of
income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of
asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan
file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance
certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

EXHIBIT C

**RECOVCO MORTGAGE MANAGEMENT, LLC**

**STATEMENT OF WORK**

**DUE DILIGENCE SERVICES**

**Scope of Services:**

**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 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.

**1.**  **<u>The following section is applicable to Mortgage Loans with an application date on or after October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents
for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial and Re-disclosed Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to
consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine compliance
with the requirements of TILA/Regulation Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Loan Estimate ("LE"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current LE in effect at the time of origination;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify all sections of the LE were accurately completed and that information was reflected in the appropriate
locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Documentation that simply restates the change (e.g. fee increased) with no further explanation is not
sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Closing Disclosure ("CD"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the current applicable CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify all sections of the CD were accurately completed and that information was reflected in the appropriate
locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Documentation that simply restates the change (e.g. fee increased, etc.) with no further explanation is
not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Any 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I. Review 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. Review any CDs provided to the borrower post-consummation to confirm revised disclosures and refunds were
provided as required and within the required timeframes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Written List of Settlement Service Providers:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify the List of Settlement Service Providers was provided to the borrower(s) at the time of the LE
disclosing the applicable service(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Special Information Booklet ("Your Home Loan Toolkit"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Mandatory Arbitration – TPR will report
mandatory arbitration provisions present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Single Premium Credit Insurance – TPR will report single premium credit insurance policies or debt
cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

**2.**  **<u>The following section is applicable to Mortgage Loans with an application date prior to October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial, Final and Re-disclosed Truth in Lending Disclosures ("TIL")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Initial and Re-disclosed Good Faith Estimates ("GFE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine compliance with the applicable requirements of TILA/Regulation
Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, recalculation of disclosed APR, and a review to determine disclosure
differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration
date, ensuring proper execution of the Notice of Right to Cancel by all required parties verifying the disbursement date and determining
if a full three (3) day rescission period was adequately provided to the borrower(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review to ensure compliance with the applicable requirements of RESPA/Regulation X
including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Good Faith Estimate (" <u>GFE</u> "):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. RESPA 2010: Determine whether a valid and properly documented change in circumstance accompanies any re-disclosed
GFE containing the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Any increase in fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final HUD-1: Confirm compliance with the RESPA requirements in effect as of origination of the Mortgage
Loan including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Current applicable HUD-1 form was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Escrow deposit on the HUD-1 matches the initial escrow statement amount; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify all sections of the HUD-1 were accurately completed and that information was reflected in the appropriate
locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Mandatory Arbitration – TPR will test for mandatory arbitration provisions in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Georgia and New Jersey – Vendor will report the following loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage loans subject to the Georgia Fair Lending Act and originated between October 1, 2002 and March
6, 2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

**<u>Qualified Mortgage</u>**

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.).

**<u>General Ability to Repay</u>**

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:

&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;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:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT EVENT GRADE** | &nbsp;&nbsp;**CREDIT EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** | &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION EVENT GRADE** | &nbsp;&nbsp;**VALUATION EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was insufficient valuation documentation to perform a review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**OVERALL EVENT GRADE** | &nbsp;&nbsp;**OVERALL EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation guidelines and has sufficient accuracy and completeness of data to conduct a thorough review. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit; is in material compliance with all applicable laws and regulations; and the value and valuation methodology are supported and substantially meet published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines; and/or violates one material law or regulation; and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform an adequate review. |

---

EXHIBIT D

**Infinity IPS, Inc.**

**STATEMENT OF WORK**

**DUE DILIGENCE SERVICES**

**Scope of Services:**

Credit Application: For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

Credit Report: Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

Employment and Income: Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

Asset Review: Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

Occupancy Review: Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

Guideline Review: During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

Fraud Review: Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

Title Review: Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

Additional Review of Mortgage Loan File: Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

(6) Value of collateral securing the assets: review and methodology.

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for sixteen (16) mortgage loans. For these sixteen (16) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Infinity completed a Compliance Review on sixteen (16) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
Where available, Infinity reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage
loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the
mortgage loan originator compensation agreement and/or governing policies and procedures, Infinity's review was limited to formal
general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the
form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement
between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; <br> iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who 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 SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; 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

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(XI) FIRREA Review

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

(XII) Document Review

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
and final GFE's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

**<u>Tape Discrepancies</u>**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;91.49% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Interest Only Term Months Count | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;91.49% |
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.62% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;8 | &nbsp;&nbsp;82.98% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;10 | &nbsp;&nbsp;78.72% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;16 | &nbsp;&nbsp;65.96% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Prepayment Penalty Term Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;19 | &nbsp;&nbsp;59.57% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.62% |
| &nbsp;&nbsp;Rate Adjustment Subsequent Cap Percent | &nbsp;&nbsp;9 | &nbsp;&nbsp;80.85% |
| &nbsp;&nbsp;Stated Current Interest Rate | &nbsp;&nbsp;26 | &nbsp;&nbsp;44.68% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.74% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**47** |  |

---

**<u>Pool Details</u>**

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated February 17, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;93.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;95.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Total Loans Reviewed</u> - (47)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;47120260219020 | &nbsp;&nbsp;47120260219016 |
| &nbsp;&nbsp;47120260219033 | &nbsp;&nbsp;47120260219044 |
| &nbsp;&nbsp;47120260219040 | &nbsp;&nbsp;47120260219024 |
| &nbsp;&nbsp;47120260219027 | &nbsp;&nbsp;47120260219037 |
| &nbsp;&nbsp;47120260219046 | &nbsp;&nbsp;47120260219029 |
| &nbsp;&nbsp;47120260219005 | &nbsp;&nbsp;47120260219023 |
| &nbsp;&nbsp;47120260219003 | &nbsp;&nbsp;47120260219022 |
| &nbsp;&nbsp;47120260219004 | &nbsp;&nbsp;47120260219007 |
| &nbsp;&nbsp;47120260219001 | &nbsp;&nbsp;47120260219011 |
| &nbsp;&nbsp;47120260219002 | &nbsp;&nbsp;47120260219012 |
| &nbsp;&nbsp;47120260219042 | &nbsp;&nbsp;47120260219030 |
| &nbsp;&nbsp;47120260219045 | &nbsp;&nbsp;47120260219038 |
| &nbsp;&nbsp;47120260219018 | &nbsp;&nbsp;47120260219031 |
| &nbsp;&nbsp;47120260219032 | &nbsp;&nbsp;47120260219017 |
| &nbsp;&nbsp;47120260219014 | &nbsp;&nbsp;47120260219013 |
| &nbsp;&nbsp;47120260219006 | &nbsp;&nbsp;47120260219021 |
| &nbsp;&nbsp;47120260219026 | &nbsp;&nbsp;47120260219034 |
| &nbsp;&nbsp;47120260219008 | &nbsp;&nbsp;47120260219025 |
| &nbsp;&nbsp;47120260219019 | &nbsp;&nbsp;47120260219039 |
| &nbsp;&nbsp;47120260219041 | &nbsp;&nbsp;47120260219035 |
| &nbsp;&nbsp;47120260219043 | &nbsp;&nbsp;47120260219036 |
| &nbsp;&nbsp;47120260219009 | &nbsp;&nbsp;47120260219015 |
| &nbsp;&nbsp;47120260219028 | &nbsp;&nbsp;47120260219047 |
| &nbsp;&nbsp;47120260219010 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 162399 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | Yes | Employed |  | No |  | No |  |
| 162372 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | Yes | Employed | Employed | No | No | No |  |
| 162398 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | Yes | Employed |  | No |  | No |  |
| 162339 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | Yes | Employed |  | No |  | No |  |
| 162359 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 162372 |  |  | 0753-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.68 | 47.73 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 162399 |  |  | $XXXXXXX A C |
| 162372 |  |  | $XXXXXXX D B A |
| 162398 |  |  | $XXXXXXX A |
| 162339 |  |  | $XXXXXXX A |
| 162359 |  |  | $XXXXXXX A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **Occupancy** | **Loan Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 162399 |  |  | Closed | 2025-07-31 13:52 | 2025-08-13 15:14 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received initial LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-The initial disclosures were sent on XX/XX/XXXX; however, the borrower refused to sign the initial disclosures due to an issue with the docs and a new set of disclosures were resent to the borrower on XX/XX/XXXX per their request. Please see below the note in the conversation log.<br>Also, I have attached a copy of the Welcome letter, 1003 and LE that were initially disclosed to the borrower<br> - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Counter-Lender provided evidence closed on Saturdays which has been applied. The application date is XX/XX/XXXX and the only LE in the loan file is dated XX/XX/XXXX which is outside of 3 days, excluding Saturdays. Condition remains. - Due Diligence Vendor-08/12/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 | Ready for Review-The initial disclosures were sent on XX/XX/XXXX; however, the borrower refused to sign the initial disclosures due to an issue with the docs and a new set of disclosures were resent to the borrower on XX/XX/XXXX per their request. Please see below the note in the conversation log.<br>Also, I have attached a copy of the Welcome letter, 1003 and LE that were initially disclosed to the borrower<br> - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 | Resolved-Received initial LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 | XXXXXX XXXX Business Calendar.pdf<br> XXXXX disclosures.pdf |  | GA | Primary Residence | Purchase NA | 5006003 | N/A | N/A |
| XXXX | 162399 |  |  | Closed | 2025-07-31 13:14 | 2025-08-13 14:12 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/12/2025 <br>Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/31/2025 |  | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-08/13/2025<br>| XXXXXXXXXXX-Toolkit.pdf |  | GA | Primary Residence | Purchase NA | 5005420 | N/A | N/A |
| XXXX | 162372 |  |  | Closed | 2025-07-31 12:38 | 2025-08-22 18:22 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Document received confirming no claims. Finding Resolved. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br> Counter-A claim loss run report will work to clear the condition as long as the policy number and property address the policy in file. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Can we confirm with the investor if they will allow an exterior inspection to confirm no damage has occurred? - Buyer-08/20/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-07/31/2025 |  | Resolved-Document received confirming no claims. Finding Resolved. - Due Diligence Vendor-08/22/2025<br>| XXX XXXXXXXXXXX .pdf |  | FL | Primary Residence | Purchase NA | 5004947 | N/A | N/A |
| XXXX | 162372 |  |  | Closed | 2025-08-05 17:34 | 2025-08-14 17:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-After further review of the guidelines, since no balance sheet was provided, the cash flow analysis of the 12 months business bank statement is accepted. Condition cleared. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-The bank statement income worksheet is the cash flow analysis to qualify a borrower or borrowers capacity to repay a loan and any impact using the business funds would have.<br> This is a remote, online business that has little to no overhead or expenses – the borrowers are co owners of the business and we have acceptable personal and business funds needed to close <br> Could you ask them WHAT they are missing or needing? <br> - Seller-08/13/2025 <br> Counter-Lender provided an Income Analyzer Worksheet. Please provide a cash flow analysis of business assets & liabilities to be completed by the Seller to determine if the withdraw of funds from the business is acceptable. Condition remains. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Missing business cash flow analysis. Per the lender guidelines the use of business assets without a CPA/Tax preparer letter require a cash flow analysis of business assets & liabilities to be completed by the Seller to determine if the withdraw of funds from the business is acceptable. - Due Diligence Vendor-08/05/2025 | Ready for Review-The bank statement income worksheet is the cash flow analysis to qualify a borrower or borrowers capacity to repay a loan and any impact using the business funds would have.<br> This is a remote, online business that has little to no overhead or expenses – the borrowers are co owners of the business and we have acceptable personal and business funds needed to close <br> Could you ask them WHAT they are missing or needing? <br> - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 | Resolved-After further review of the guidelines, since no balance sheet was provided, the cash flow analysis of the 12 months business bank statement is accepted. Condition cleared. - Due Diligence Vendor-08/14/2025<br>| UW worksheet-XXXXXXXXXXX.pdf |  | FL | Primary Residence | Purchase NA | 5061982 | N/A | N/A |
| XXXX | 162372 |  |  | Closed | 2025-08-05 16:56 | 2025-08-13 13:35 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/12/2025 <br> Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-08/05/2025 |  | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025<br>| XXXXXXXXXXX-Toolkit.pdf |  | FL | Primary Residence | Purchase NA | 5061050 | N/A | N/A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **LTV** | **Value for LTV** | **CLTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Collateral Underwriter Risk Score** |
| 162399 |  |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | 1004 URAR | $XXXXXXX | 55.82 | $XXXXXXX | 55.82 | 55.82 | 55.82 | XX/XX/XXXX | Collateral Underwriter (CU) | $XXXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 162372 |  |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | 1004 URAR | $XXXXXXX | 80.0 | $XXXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $XXXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1.9 |
| 162398 |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | 1004 URAR | $XXXXXXX | 80.0 | $XXXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $XXXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXX | REASONABLE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 2.5 | Eligible |  |
| 162339 |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | 1004 URAR | $XXXXXXX | 57.79 | $XXXXXXX | 57.79 | 57.79 | 57.79 | XX/XX/XXXX | Collateral Underwriter (CU) | $XXXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 162359 |  |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | 1073 Individual Condo Report | $XXXXXXX | 80.0 | $XXXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $XXXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1.7 |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 6**

**Tape Discrepancies**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| IZFFBSTHQSO | XXXX |  | Original Appraised Value | $XXXXXX | $XXXXXX | $XXXXXX | 6.45% | Updated as per document | Initial |  |
| IZFFBSTHQSO | XXXX |  | Original CLTV Ratio Percent | 66% | 70% | -4.242% | -4.24% | Updated as per document | Initial |  |
| IZFFBSTHQSO | XXXX |  | Original Standard LTV (OLTV) | 66% | 70% | -4.242% | -4.24% | Updated as per document | Initial |  |
| OVMH1B4KFS3 | XXXX |  | Subject Property Type | 2 Family | Single Family |  |  | Update As per Appraisal Report | Initial |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 7**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Details** | **General Comments** | **Missing Documents** | **Tape Discrepancies** | **Grading and Exceptions** | **ComplianceEase** | **Current Value Information** | **Credit History** | **Updated Credit Report Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Scienna ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **ComplianceEase Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-ComplianceEase)** | **Grade 4 Exceptions (Reject / Non-curable)** | **Grade 3 Exceptions (Conditions / Curable)** | **Grade 2 Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Borrower Updated FICO** | **Co-Borrower Updated FICO** |
| 0NV3N235GLQ | XXXX |  |  |  | 2009-073 | Non-QM/ATR Documented | XXXXXX | XXXXXX | Not Applicable | Not Applicable | XXXXXXX | XXXXXXX | Wisconsin | XXXXX | XXXXXXX | XXXXXXX | Wisconsin | XXXXX | XXXXXX | No |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | $XXXXXXX | Not Applicable | $XXXXXXX | 6.625% | 360 | 360 | XX/XX/XXXX | XX/XX/XXXX | $XXXXXXX | Conventional | Fixed | Not Applicable | Cash Out | 73.958% | 73.958% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $XXXXXXX | Unavailable | Not Applicable | Single Family | XX/XX/XXXX | $XXXXXXX | Investor | Yes | Yes | No | 683 | Not Applicable | 35.056% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  |  | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:<br> Date:<br> Type:Field review | Value:<br> Date:<br> Type:AVM |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:240<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| IZFFBSTHQSO | XXXX |  |  |  | 2009-073 | Non-QM/ATR Documented | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | Florida | XXXXX | XXXXXXX | XXXXXXX | Florida | XXXXX | XXXXXX | No |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | $XXXXXXX | Not Applicable | $XXXXXXX | 5.875% | 360 | 360 | XX/XX/XXXX | XX/XX/XXXX | $XXXXXXX | Conventional | Fixed | Not Applicable | Cash Out | 65.758% | 65.758% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Single Family | XX/XX/XXXX | $XXXXXXX | Primary | Yes | Yes | No | 647 | 714 | 12.471% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Original Appraised Value Loan Value: $XXXXXXX Tape Value: $XXXXXXX \|---\| $XXXXXXX \|----\| 6.45% Comment: Updated as per document Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 66% Tape Value: 70% Variance: -4.242% Variance %: -4.24% Comment: Updated as per document Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 66% Tape Value: 70% Variance: -4.242% Variance %: -4.24% Comment: Updated as per document Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl B)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL&nbsp;&nbsp;&nbsp;&nbsp; Charged: 6.243%&nbsp;&nbsp;&nbsp;&nbsp; Allowed:4.430%&nbsp;&nbsp;&nbsp;&nbsp; Over by:1.813%" |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:<br> Date:<br> Type:Desk Review | Value:<br> Date:<br> Type:AVM |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable<br> Verification Type:Not Applicable | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| X0TY3PJWYJM | XXXX |  |  |  | 2009-073 | Non-QM/ATR Documented | XXXXXX | XXXXXX | Not Applicable | Not Applicable | XXXXXXX | XXXXXXX | Texas | XXXXX | XXXXXXX | XXXXXXX | Texas | XXXXX | XXXXXX | No |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | $XXXXXXX | Not Applicable | $XXXXXXX | 3.999% | 360 | 360 | XX/XX/XXXX | XX/XX/XXXX | $XXXXXXX | Conventional | Fixed | Not Applicable | Cash Out | 76.500% | 76.500% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $0.00 | Unavailable | Not Applicable | 4 Family | XX/XX/XXXX | $XXXXXXX | Investor | Yes | Yes | No | 720 | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  |  | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:<br> Date:<br> Type:Desk Review | Value:<br> Date:<br> Type:AVM |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| OVMH1B4KFS3 | XXXX |  |  |  | 2009-073 | Non-QM/ATR Documented | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | California | XXXXX | XXXXXXX | XXXXXXX | California | XXXXX | XXXXXX | No |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | $XXXXXXX | Not Applicable | $XXXXXXX | 7.500% | 360 | 360 | XX/XX/XXXX | XX/XX/XXXX | $XXXXXXX | Conventional | Fixed | Not Applicable | Cash Out | 65.000% | 65.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $0.00 | $0.00 | Not Applicable | 2 Family | XX/XX/XXXX | $XXXXXXX | Investor | Yes | Yes | No | 672 | 646 | Unavailable | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Subject Property Type Loan Value: 2 Family Tape Value: Single Family \|---\| \|----\| Comment: Update As per Appraisal Report Tape Source: Initial Tape Type: | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:<br> Date:<br> Type:AVM | Value:<br> Date:<br> Type:Desk Review |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:0<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| HRHTWL1MJZH | XXXX |  |  |  | 2009-073 | Non-QM/ATR Documented | XXXXXX | XXXXXX | Not Applicable | Not Applicable | XXXXXXX | XXXXXXX | Connecticut | XXXXX | XXXXXXX | XXXXXXX | Connecticut | XXXXX | XXXXXX | No |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | $XXXXXXX | Not Applicable | $XXXXXXX | 4.875% | 360 | 360 | XX/XX/XXXX | XX/XX/XXXX | Not Applicable | Conventional | Fixed | Not Applicable | Purchase | 80.000% | 80.000% | Alternative | No | Not Applicable | Not Applicable | Not Applicable | Unavailable | Unavailable | Not Applicable | Single Family | XX/XX/XXXX | $XXXXXXX | Investor | Yes | Yes | No | 712 | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: |  |  |  | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:<br> Date:<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable<br> Verification Type:Not Applicable | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :<br> Total Delinquent:Not Applicable<br> Mortgage/Rent Dlq Last 12 Mos:Not Applicable<br> Max Days Dlq Last 12 Mos:Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:Not Applicable<br> Times 1X60:Not Applicable<br> Times 1X90:Not Applicable<br> Currently Delinquent? :Not Applicable<br> Total Delinquent:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Number:Not Applicable<br> Total Amount:Not Applicable<br> Last Date:Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number 1** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** | **Opus Status (Opus Decision for Resolved Status in Col L - Validated or Unvalidated)** | **Opus Comments** |
| XXXX | XXXXXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Compliance | Compliance | 114577c5-1e49-4a93-b506-e609711f1cef | Active | 2 | 2 | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL&nbsp;&nbsp;&nbsp;&nbsp; Charged: 6.243%&nbsp;&nbsp;&nbsp;&nbsp; Allowed:4.430%&nbsp;&nbsp;&nbsp;&nbsp; Over by:1.813% |  |  |  |  | QC Complete | XX/XX/XXXX |  |  | XX/XX/XXXX | Validated | HPML classification is an informational finding, not a regulatory violation. |

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## Exhibit 99.8

**Exhibit 99.8 Schedule 9**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| XXXX |  | XXXXXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6 comps to support the opinion of value Appraisal has ticked on As Is on XX/XX/XXXX. With the appraised value $XXXXXXX |  | Single Family | XX/XX/XXXX | 73.958% | 73.958% | Investor | Cash Out | 683 |  | Owner | 2 | $21363.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXXXXX | 35.056% |  | Alternative | QC Complete | XX/XX/XXXX |
| XXXX |  | XXXXXXX | Florida | Non-QM/Compliant | 2 | 2 | 1 | 1 | 2 | No | No |  | \*\*\* (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV B<br> COMMENT: This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL&nbsp;&nbsp;&nbsp;&nbsp; Charged: 6.243%&nbsp;&nbsp;&nbsp;&nbsp; Allowed:4.430%&nbsp;&nbsp;&nbsp;&nbsp; Over by:1.813% |  |  |  | Appraisal has provided 6 comps to support the opinion of value<br> Appraisal has ticked on As Is on XX/XX/XXXX. With the appraised value $XXXXXXX |  | Single Family | XX/XX/XXXX | 65.758% | 65.758% | Primary | Cash Out | 647 | 24 | Owner | 5.05 | $32147.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXXXXX | 12.471% |  | Alternative | QC Complete | XX/XX/XXXX |
| XXXX |  | XXXXXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 3 comparables |  | 4 Family | XX/XX/XXXX | 76.500% | 76.500% | Investor | Cash Out | 720 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXXXXX |  |  | Alternative | QC Complete | XX/XX/XXXX |
| XXXX |  | XXXXXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 6 comparables |  | 2 Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 646 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXXXXX |  |  | Alternative | QC Complete | XX/XX/XXXX |
| XXXX |  | XXXXXXX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 3 comps to support the opinion of value. Appraisal has ticked on As Is on XX/XX/XXXX. With the appraised value $XXXXXXX |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 712 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | XX/XX/XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Loan <br> Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Agency Grade** | **Final Overall Credit Grade** | **Final Overall Compliance Grade** | **Final Overall Property Grade** | **DBRS INITIAL Overall Agency Grade** | **DBRS FINAL Overall Agency Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Overall Agency Grade** | **FITCH FINAL Overall Agency Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Overall Agency Grade** | **KROLL FINAL Overall Agency Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Overall Agency Grade** | **MOODY's FINAL Overall Agency Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Overall Agency Grade** | **S&P FINAL Overall Agency Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** | **MORNINGSTAR INITIAL Overall Agency Grade** | **MORNINGSTAR FINAL Overall Agency Grade** | **MORNINGSTAR INITIAL Credit Grade** | **MORNINGSTAR FINAL Credit Grade** | **MORNINGSTAR INITIAL Compliance Grade** | **MORNINGSTAR FINAL Compliance Grade** | **MORNINGSTAR INITIAL Property Grade** | **MORNINGSTAR FINAL Property Grade** |
| XXXX | $XXXXXXX | Wisconsin | XX/XX/XXXX | Investor | Cash Out | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CA | CA | RA | RA | VA | VA | A | A | A | A | A | A | A | A |
| XXXX | $XXXXXXX | Connecticut | XX/XX/XXXX | Investor | Purchase | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CA | CA | RA | RA | VA | VA | A | A | A | A | A | A | A | A |
| XXXX | $XXXXXXX | Florida | XX/XX/XXXX | Primary | Cash Out | B | A | B | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | CA | CA | RB | RB | VA | VA | B | B | A | A | B | B | A | A |
| XXXX | $XXXXXXX | California | XX/XX/XXXX | Investor | Cash Out | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CA | CA | RA | RA | VA | VA | A | A | A | A | A | A | A | A |
| XXXX | $XXXXXXX | Texas | XX/XX/XXXX | Investor | Cash Out | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CA | CA | RA | RA | VA | VA | A | A | A | A | A | A | A | A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **CU Score** |
| 0NV3N235GLQ | XXXX |  | XX/XX/XXXX | $XXXXXXX | Not Applicable | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1004 Residential Appraisal | $XXXXXXX | $XXXXXXX | -67.708% | XXXXXXX | 66 | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |
| IZFFBSTHQSO | XXXX |  | XX/XX/XXXX | $XXXXXXX | Not Applicable | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1004 Residential Appraisal | $XXXXXXX | $XXXXXXX | -21.212% | XXXXXXX | 80 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | -6.061% | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable |
| X0TY3PJWYJM | XXXX |  | XX/XX/XXXX | $XXXXXXX | Not Applicable | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1025 2-4 Family Property | $XXXXXXX | $XXXXXXX | -10.423% | XXXXXXX | 77 | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable |
| OVMH1B4KFS3 | XXXX |  | XX/XX/XXXX | $XXXXXXX | Not Applicable | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1025 2-4 Family Property | $XXXXXXX | $XXXXXXX | -19.355% | XXXXXXX | 50 | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable |
| HRHTWL1MJZH | XXXX |  | XX/XX/XXXX | $XXXXXXX | $284900.00 | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 12**

---

| |
|:---|
| **Data Comparison** |
| **Run Date - 4/4/2022** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** |
| NTOEZ0PW31P | XXXX | XXXX | Stated Current Interest Rate | 4.500% |  |  |  |
| TLK04RHS4CN | XXXX | XXXX | Stated Current Interest Rate | 4.750% | 2 Family |  |  |
| VC010EC0TBI | XXXX | XXXX | Stated Current Interest Rate | 4.250% |  |  |  |
| KSUN3FCSJXO | XXXX | XXXX | Occupancy at Origination (Property Usage Type) | Primary [1] | PrimaryResidence |  |  |
| KSUN3FCSJXO | XXXX | XXXX | Subject Property Type | Single Family | 1 Unit |  |  |
| LWC252Z5QIV | XXXX | XXXX | Original Stated Rate | 4.99000% | 4.99900% | -0.00900% | -0.01% |
| LWC252Z5QIV | XXXX | XXXX | Stated Current Interest Rate | 4.990% |  |  |  |
| OLTO5KOJMVT | XXXX | XXXX | Stated Current Interest Rate | 4.250% |  |  |  |
| J53A5NGQXIB | XXXX | XXXX | Stated Current Interest Rate | 4.250% |  |  |  |
| MDFTEJ3YZMZ | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| MDFTEJ3YZMZ | XXXX | XXXX | Stated Current Interest Rate | 4.625% | US Citizen |  |  |
| L333OHB02GQ | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| L333OHB02GQ | XXXX | XXXX | Stated Current Interest Rate | 5.250% |  |  |  |
| DNVBZCL3FUR | XXXX | XXXX | Number Of Units | 2 | 1 | 1 | 100.00% |
| DNVBZCL3FUR | XXXX | XXXX | Original CLTV Ratio Percent | 71.429% | 71.400% | 0.029% | 0.03% |
| DNVBZCL3FUR | XXXX | XXXX | Original Standard LTV (OLTV) | 71.429% | 71.400% | 0.029% | 0.03% |
| DNVBZCL3FUR | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| DNVBZCL3FUR | XXXX | XXXX | Stated Current Interest Rate | 6.750% |  |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX | Interest Only Period? | No | Yes |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX | Interest Only Term Months Count | Not Applicable | 60 |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX | Stated Current Interest Rate | 4.375% |  |  |  |
| CNYZBXRKKZP | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| CNYZBXRKKZP | XXXX | XXXX | Stated Current Interest Rate | 5.875% |  |  |  |
| T42WYJXW3CZ | XXXX | XXXX | Original Stated P&I | $XXXXXXX |  |  |  |
| T42WYJXW3CZ | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| T42WYJXW3CZ | XXXX | XXXX | Stated Current Interest Rate | 5.250% |  |  |  |
| J4CHV1JWRIV | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 677.66% |
| J4CHV1JWRIV | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| J4CHV1JWRIV | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 123.060% |  |  |
| J4CHV1JWRIV | XXXX | XXXX | Stated Current Interest Rate | 6.125% | 123.060% | -116.935% | -116.94% |
| 2LX03HO5OEM | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 183.10% |
| 2LX03HO5OEM | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| 2LX03HO5OEM | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 257.520% |  |  |
| 2LX03HO5OEM | XXXX | XXXX | Stated Current Interest Rate | 4.250% | 257.520% | -253.270% | -253.27% |
| FGKDLBUYEYA | XXXX | XXXX | Original CLTV Ratio Percent | 74.966% | 75.000% | -0.034% | -0.03% |
| FGKDLBUYEYA | XXXX | XXXX | Original Standard LTV (OLTV) | 74.966% | 75.000% | -0.034% | -0.03% |
| FGKDLBUYEYA | XXXX | XXXX | Original Stated P&I | $XX |  |  |  |
| FGKDLBUYEYA | XXXX | XXXX | Stated Current Interest Rate | 5.625% |  |  |  |
| JP3AHPVUUR0 | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | -37.18% |
| JP3AHPVUUR0 | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| JP3AHPVUUR0 | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 87.900% |  |  |
| JP3AHPVUUR0 | XXXX | XXXX | Stated Current Interest Rate | 5.500% | 87.900% | -82.400% | -82.40% |
| BRNB3LUQHOY | XXXX | XXXX | Next Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| BRNB3LUQHOY | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | -45.55% |
| BRNB3LUQHOY | XXXX | XXXX | Prepayment Penalty Term Months | 36 | 0 | 36 |  |
| BRNB3LUQHOY | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| BRNB3LUQHOY | XXXX | XXXX | Stated Current Interest Rate | 6.000% |  |  |  |
| 3PIZVU1LWVW | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | -99.54% |
| 3PIZVU1LWVW | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| 3PIZVU1LWVW | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 255144.000% |  |  |
| 3DOBIVPINGV | XXXX | XXXX | Next Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| 3DOBIVPINGV | XXXX | XXXX | Original CLTV Ratio Percent | 70.714% | 70.700% | 0.014% | 0.01% |
| 3DOBIVPINGV | XXXX | XXXX | Original Standard LTV (OLTV) | 70.714% | 70.700% | 0.014% | 0.01% |
| 3DOBIVPINGV | XXXX | XXXX | Original Stated P&I | $XXXXXXX |  |  |  |
| 3DOBIVPINGV | XXXX | XXXX | Stated Current Interest Rate | 6.000% |  |  |  |
| 3DOBIVPINGV | XXXX | XXXX | First Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| R4OB4FETN2X | XXXX | XXXX | First Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| DGATVY2DJPA | XXXX | XXXX | Original CLTV Ratio Percent | 74.417% | 75.000% | -0.583% | -0.58% |
| DGATVY2DJPA | XXXX | XXXX | Original Standard LTV (OLTV) | 74.417% | 75.000% | -0.583% | -0.58% |
| DGATVY2DJPA | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 198.86% |
| DGATVY2DJPA | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| DGATVY2DJPA | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 123.750% |  |  |
| DGATVY2DJPA | XXXX | XXXX | Stated Current Interest Rate | 5.250% | 123.750% | -118.500% | -118.50% |
| NXX15ANPPDY | XXXX | XXXX | First Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| 1BHU0QJE2ST | XXXX | XXXX | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | -6 (Days) |  |
| 1BHU0QJE2ST | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | -99.63% |
| 1BHU0QJE2ST | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| 1BHU0QJE2ST | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 80504.000% |  |  |
| 1BHU0QJE2ST | XXXX | XXXX | Stated Current Interest Rate | 5.250% | 80504.000% | -80498.750% | -80498.75% |
| BRNB3LUQHOY | XXXX | XXXX | First Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| UHVYCHZ34UO | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| 24BXHUI4G2V | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 79.40% |
| 24BXHUI4G2V | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| 24BXHUI4G2V | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 166.160% |  |  |
| 24BXHUI4G2V | XXXX | XXXX | Stated Current Interest Rate | 5.500% | 166.160% | -160.660% | -160.66% |
| N55YGFK1UQR | XXXX | XXXX | Original CLTV Ratio Percent | 31.020% | 31.000% | 0.020% | 0.02% |
| N55YGFK1UQR | XXXX | XXXX | Original Standard LTV (OLTV) | 31.020% | 31.000% | 0.020% | 0.02% |
| N55YGFK1UQR | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 56.25% |
| N55YGFK1UQR | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| N55YGFK1UQR | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 239.280% |  |  |
| N55YGFK1UQR | XXXX | XXXX | Stated Current Interest Rate | 4.250% | 239.280% | -235.030% | -235.03% |
| R4OB4FETN2X | XXXX | XXXX | Next Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| R4OB4FETN2X | XXXX | XXXX | Original CLTV Ratio Percent | 70.972% | 71.000% | -0.028% | -0.03% |
| R4OB4FETN2X | XXXX | XXXX | Original Standard LTV (OLTV) | 70.972% | 71.000% | -0.028% | -0.03% |
| R4OB4FETN2X | XXXX | XXXX | Original Stated P&I | $XXXXXXX |  |  |  |
| R4OB4FETN2X | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| R4OB4FETN2X | XXXX | XXXX | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |
| R4OB4FETN2X | XXXX | XXXX | Stated Current Interest Rate | 5.250% |  |  |  |
| T4KZP5BDFVV | XXXX | XXXX | Original CLTV Ratio Percent | 54.982% | 55.000% | -0.018% | -0.02% |
| T4KZP5BDFVV | XXXX | XXXX | Original Standard LTV (OLTV) | 54.982% | 55.000% | -0.018% | -0.02% |
| T4KZP5BDFVV | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 717.90% |
| T4KZP5BDFVV | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| T4KZP5BDFVV | XXXX | XXXX | Rate Adjustment Subsequent Cap Percent | Not Applicable | 92.300% |  |  |
| NXX15ANPPDY | XXXX | XXXX | Next Rate Change Date | Not Applicable | XX/XX/XXXX |  |  |
| NXX15ANPPDY | XXXX | XXXX | Original Stated P&I | $XXXXXXX |  |  |  |
| NXX15ANPPDY | XXXX | XXXX | Property Address Street | XXXXXXXXXXX | XXXXXXXXXXX |  |  |
| NXX15ANPPDY | XXXX | XXXX | Purpose of Transaction per HUD-1 | Cash Out | XX/XX/XXXX |  |  |
| NXX15ANPPDY | XXXX | XXXX | Stated Current Interest Rate | 6.500% |  |  |  |
| ZQLVWM5GILH | XXXX | XXXX | Stated Current Interest Rate | 5.125% |  |  |  |
| 3QBOC0VPDJX | XXXX | XXXX | Original Standard LTV (OLTV) | 75.000% | 85.000% | -10.000% | -10.00% |
| 3QBOC0VPDJX | XXXX | XXXX | Stated Current Interest Rate | 6.250% |  |  |  |
| A0YWT2BBB4K | XXXX | XXXX | Occupancy at Origination (Property Usage Type) | Primary [1] | PrimaryResidence |  |  |
| A0YWT2BBB4K | XXXX | XXXX | Original Standard LTV (OLTV) | 42.553% | 4700000.000% | -4699957.447% | -4699957.45% |
| A0YWT2BBB4K | XXXX | XXXX | Original Stated P&I | $XXXXXXX | $XXXXXXX | $XXXXXXX | 40.99% |
| A0YWT2BBB4K | XXXX | XXXX | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |
| JRZROP32N1S | XXXX | XXXX | Occupancy at Origination (Property Usage Type) | Primary [1] | PrimaryResidence |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 13**

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| |
|:---|
| **Exception Level** |
| **Run Date - 4/4/2022** |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan # 1** | **Loan # 2** | **Loan # 3** | **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 in Col G - Validated or Unvalidated)** | **Opus Comments** |
| ZX3SMEYMMS2 | XXXX | XXXX |  | Valuation | Value | Resolved | Resolved | ZX3SMEYMMS2-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. |
| DNVBZCL3FUR | XXXX | XXXX |  | Valuation | Value | Resolved | Resolved | DNVBZCL3FUR-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. |  | 3/2/2022 Post fund Desk Review supports value. | 3/2/2022 Exception resolved. | 3/2/2022 Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| MDFTEJ3YZMZ | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | MDFTEJ3YZMZ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The file does not include a title commitment reflecting the minimum required amount of lender coverage for the subject transaction. A copy of an updated title commitment reflecting the minimum required amount of lender coverage for the subject loan transaction must be uploaded to the file. |  | 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: Finding resolved | 2.3.2022: Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| L333OHB02GQ | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | L333OHB02GQ-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. |
| L333OHB02GQ | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | L333OHB02GQ-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The AVM reflects a value of $XXXXXXX which is greater than a 10% variance of the appraised value of $XXXXXX. |  | 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. |
| CNYZBXRKKZP | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | CNYZBXRKKZP-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. |
| CNYZBXRKKZP | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | CNYZBXRKKZP-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance amount is $XXXXXX but the loan amount is $XXXXXX, the title insurance does not cover 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. |
| JP3AHPVUUR0 | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | JP3AHPVUUR0-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM in file with variance of -39.063%. Per guidelines if greater than -10% variance, field/desk review 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 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. |
| JP3AHPVUUR0 | XXXX | XXXX |  | Credit | Guidelines | Waived | Waived | JP3AHPVUUR0-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl W) | Loan amount of $XXXXX is below minimum of $XXXXX. Lender approved exception prior to closing | 786 Representative credit score exceeds the minimum required credit score of 680 by 106 Points.<br> DSCR ratio of 1.844 exceeds the minimum requirement of 1.0 by .844 points. | The lender provided an approved exception for loan amount under 50k | 2/02/2022: Lender Exception Wavier Applied; Final Grade EV 2/B | 2/02/2022: Lender Exception Wavier Applied; Final Grade EV 2/B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| JP3AHPVUUR0 | XXXX | XXXX |  | Credit | Credit Worthiness | Resolved | Resolved | JP3AHPVUUR0-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Meets guideline requirements |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| BRNB3LUQHOY | XXXX | XXXX |  | Credit | Guidelines | Resolved | Resolved | BRNB3LUQHOY-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | Missing copy of signed lease required per guidelines for occupied properties. |  | The lender provided the executed lease | 2/02/2022: Finding Resolved. | 2/02/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| BRNB3LUQHOY | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | BRNB3LUQHOY-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXX in file reflects a -14.706% variance of the appraised value of $XXXXX. Guidelines permit -10% variance. |  | If a secondary appraisal is requied, 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 - Exceeds 10% tolerance | 2/02/2022: Finding Remains 03/22/2022: Finding Remains | 2/02/2022: Finding Remains 03/22/2022: Finding Remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| T42WYJXW3CZ | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | T42WYJXW3CZ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title commitment in the file reflects lender coverage for the subject transaction in the amount of $XXXXXX. The subject loan amount is $XXXXXX and a copy of the title commitment reflecting at least $XXXXXX lender coverage is required. A copy of that required document must be obtained and uploaded to the file. |  | 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 comeup with any other due diligence firm. Please clear. Thanks! | 2/02/2022: Finding Resolved | 2/02/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| 3DOBIVPINGV | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | 3DOBIVPINGV-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 $XXXXX 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 96 of the loan file reflects a $XXXXXX value which is 10.204% 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. |
| 3DOBIVPINGV | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | 3DOBIVPINGV-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 $XXXXX 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 96 of the loan file reflects a $XXXXX value which is 10.204% 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. |
| J4CHV1JWRIV | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | J4CHV1JWRIV-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 $XXXXXXXXX is less than mortgage loan amount $XXXXXX. Need updated Title Insurance Policy. |  | 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. |
| J4CHV1JWRIV | XXXX | XXXX |  | Credit | Credit | Resolved | Resolved | J4CHV1JWRIV-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Need Hazard insurance policy with mortgagee clause of "XX and its successors and assigns (ISAOA)" |  | The lender responded: The HOI ones where they talk about the mortgagee clause, all of our rental loans will only show our servicer. I pushed this one back the last time. Our servicer (XXXXXXXXXX) will be handling these loans and our agreement with the servicer they are automatically set to be listed as the mortgagee clause. | 3.4.2022 finding resolved. | 3.4.2022 finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| J4CHV1JWRIV | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | J4CHV1JWRIV-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM available in file Page#90 does not 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. |
| 2LX03HO5OEM | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | 2LX03HO5OEM-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. |
| 2LX03HO5OEM | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | 2LX03HO5OEM-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The guidelines, section 4.3, requires beneficiary on evidence of insurance to be: XXXXXXXXXXX ISAOA. Evidence of insurance located on page 209 reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA as beneficiary. |  | Client confirmed XXXXXXXXXXX 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. |
| 3PIZVU1LWVW | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | 3PIZVU1LWVW-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXXX (variance is -40.357%). Please provide updated 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. |
| 3PIZVU1LWVW | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | 3PIZVU1LWVW-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowners insurance policy reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA 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. |  | Client confirmed XXXXXXXXXXX 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. |
| 3PIZVU1LWVW | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | 3PIZVU1LWVW-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXXX does not support appraised value of $XXXXXXXX (variance is -40.357%). Please provide updated 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. |
| DGATVY2DJPA | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | DGATVY2DJPA-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The provided Hazard Insurance on page 223 reflect Mortgage Clause as XXXXXXXXXX XXXXXXXX Servicing instead of XXXXXXXXXXX and its successors and assigns (ISAOA). Need updated Hazard Insurance. |  | 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. |
| 1BHU0QJE2ST | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | 1BHU0QJE2ST-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA 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. |  | 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. |
| 1BHU0QJE2ST | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | 1BHU0QJE2ST-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 12.50%). Please provide updated value. |  | 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. |
| UHVYCHZ34UO | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | UHVYCHZ34UO-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of XX does not support appraised value of $XXXXXX (variance is 12%). 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. |
| UHVYCHZ34UO | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | UHVYCHZ34UO-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | HOI reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should Reflect XX 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. |
| UHVYCHZ34UO | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | UHVYCHZ34UO-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The provided Commitment Report reflects Loan Policy amount $XXXXXX lesser than loan amount $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 | 3.7.2022 finding resolved | 3.7.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| 24BXHUI4G2V | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | 24BXHUI4G2V-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The provided Hazard Insurance on page 99 reflect Mortgage Clause as XXXXXXXXXX XXXXXXXX Servicing instead of XX and its successors and assigns (ISAOA). Need updated Hazard Insurance. |  | 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. |
| N55YGFK1UQR | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | N55YGFK1UQR-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA 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. |  | 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. |
| R4OB4FETN2X | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | R4OB4FETN2X-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The provided Hazard Insurance on page 244 reflect Mortgage Clause as XXXXXXXXXX XXXXXXXXX Servicing instead of XX and its successors and assigns (ISAOA). Need updated Hazard Insurance. |  | 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. |
| R4OB4FETN2X | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | R4OB4FETN2X-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The AVM in file on page 267 value of $XXXXX does not support the Appraisal value at origination of $XXXXXXX |  | 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. |
| T4KZP5BDFVV | XXXX | XXXX |  | Credit | Insurance | Resolved | Resolved | T4KZP5BDFVV-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XXXXXXXXXXX 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. |
| T4KZP5BDFVV | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | T4KZP5BDFVV-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. |
| NXX15ANPPDY | XXXX | XXXX |  | Valuation | ValuationWaterfall | Resolved | Resolved | NXX15ANPPDY-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 22.553%). 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. |
| NXX15ANPPDY | XXXX | XXXX |  | Credit | Title Policy | Resolved | Resolved | NXX15ANPPDY-H03GLEHV | Title Issue | \* Title Issue (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. Please provide updated title |  | THe lender responded they do not rquire updated title. They will review final policy. | 3.4.2022 finding resolved. | 3.4.2022 finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| JRZROP32N1S | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | JRZROP32N1S-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The Security Instrument (Mortgage/Deed of Trust) is missing. |  |  | 1/20/2022: Cleared. Mortgage received. | 1/20/2022: Cleared. Mortgage received. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| JRZROP32N1S | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | JRZROP32N1S-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. |  |  | 1/20/2022: Cleared. Note received. | 1/20/2022: Cleared. Note received. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| TLK04RHS4CN | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | TLK04RHS4CN-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | The HUD in the loan file is not signed or stamped. |  |  | 1/13/2022: Cleared, documentation provided. | 1/13/2022: Cleared, documentation provided. | Validated | adequate explanatory notes are included in commentary resolving the condition. |
| ZQLVWM5GILH | XXXX | XXXX |  | Credit | Credit | Resolved | Resolved | ZQLVWM5GILH-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Rental loss insurance requirement was not met. |  | 1/11/22 The Lender rebutted: The Lender changed requirement from requirring 6 months rental to 6 months PITI<br>P&I: XX x 6 = XX<br> Taxes: $XX.XX x6 = $XXX.XX Insurance: $XXX.XX x6 = $XXXX.XX<br> Total: $XXXXX.XX<br>Well under $XXXXX of rental loss coverag on policy | 1/11/22 Exception resolved | 1/11/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| ZQLVWM5GILH | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | ZQLVWM5GILH-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title insurance did not meet guideline requirements. |  | 1/11/22 The Lender rebutted: The Lender changed requirement from requirring 6 months rental to 6 months PITI<br>P&I: XX x 6 = XX<br> Taxes: $XX.XX x6 = $XXX.XX<br> Insurance: $XXX.XX x6 = $XXXX.XX<br> Total: $XXXXX.XX<br>Well under $XXXXX of rental loss coverag on policy | 1/11/22: Cleared, documentation provided. | 1/11/22: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| KSUN3FCSJXO | XXXX | XXXX |  | Credit | Doc Issue | Resolved | Resolved | KSUN3FCSJXO-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | Final application is missing |  |  | 1/28/2022: Resolved. received final 1003 | 1/28/2022: Resolved. received final 1003 | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| ZDOII1JKY2B | XXXX | XXXX |  | Compliance | Compliance | Resolved | Resolved | ZDOII1JKY2B-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. A cost to cure in the amount of $100.00 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). |  | 2/21/22: Received check request form, shipping label, copy of check, PCCD dated XX/XX/XXXX and LOX | 02/17/2022 Remains. Documentation was provided for the refund of $100.00 for the appraisal fee increase; LOE, PCCD, and Proof of Delivery. A copy of the refund check is still missing. The increase to the following fees on 1/19/2022 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $100.00 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>2/21/22: Cleared. Received check request form, shipping label, copy of check, PCCD dated 2/11/22 and LOX for appraisal increase.  | 02/17/2022 Remains. Documentation was provided for the refund of $100.00 for the appraisal fee increase; LOE, PCCD, and Proof of Delivery. A copy of the refund check is still missing. The increase to the following fees on 1/19/2022 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $100.00 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>2/21/22: Cleared. Received check request form, shipping label, copy of check, PCCD dated 2/11/22 and LOX for appraisal increase.  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| ZDOII1JKY2B | XXXX | XXXX |  | Credit | Guidelines | Active | 2: Acceptable with Warnings | ZDOII1JKY2B-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 2) | Per the guidelines for a FTHB, 24 months bank statements are required. Only 20 months were provided, but income divided over the full 24 months using a 40% expense ratio. Lender approved exception in file. | A minimum of 3 months PITI reserves required per the guidelines. Review verified 99.48 months reserves, 96.48 months greater than the guidelines requirement. 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. |
| ZDOII1JKY2B | XXXX | XXXX |  | Credit | Eligibility | Active | 2: Acceptable with Warnings | ZDOII1JKY2B-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | The maximum allowed LTV/CLTV per the guidelines is 85%, lender approved an exception for the LTV to go 5% higher to 90% | A minimum of 3 months PITI reserves required per the guidelines. Review verified 99.48 months reserves, 96.48 months greater than the guidelines requirement. 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. |
| ZDOII1JKY2B | XXXX | XXXX |  | Credit | Eligibility | Active | 2: Acceptable with Warnings | ZDOII1JKY2B-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | The maximum allowed LTV/CLTV per the guidelines is 85%, lender approved an exception for the LTV to go 5% higher to 90% | A minimum of 3 months PITI reserves required per the guidelines. Review verified 99.48 months reserves, 96.48 months greater than the guidelines requirement. 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. |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 14**

---

| |
|:---|
| **Loan Level Exceptions** |
| **Run Date - 4/4/2022** |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **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** |
| NTOEZ0PW31P | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| TLK04RHS4CN | XXXX | XXXX |  | The Lender DSCR December 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: The HUD in the loan file is not signed or stamped. |  |
| VC010EC0TBI | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 5UR0RLJDYEB | XXXX | XXXX |  | The Lender Non-QM January 2022 Flow | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| KSUN3FCSJXO | XXXX | XXXX |  | The Lender Non-QM December 2021 Flow | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Final application is missing |  |
| LWC252Z5QIV | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| OLTO5KOJMVT | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| J53A5NGQXIB | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| L5OFOZEW55M | XXXX | XXXX |  | DSCR November 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| ZDOII1JKY2B | XXXX | XXXX |  | XXXXXXXX NonQM Securitization- 2022 Q1 Flow | 3 | 2 | 2 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV 2<br> COMMENT: Per the guidelines for a FTHB, 24 months bank statements are required. Only 20 months were provided, but income divided over the full 24 months using a 40% expense ratio. Lender approved exception in file.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 2<br> COMMENT: The maximum allowed LTV/CLTV per the guidelines is 85%, lender approved an exception for the LTV to go 5% higher to 90%<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 2<br> COMMENT: The maximum allowed LTV/CLTV per the guidelines is 85%, lender approved an exception for the LTV to go 5% higher to 90% | \*\*\* (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 1/19/2022 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $100.00 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). |  |
| MDFTEJ3YZMZ | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The file does not include a title commitment reflecting the minimum required amount of lender coverage for the subject transaction. A copy of an updated title commitment reflecting the minimum required amount of lender coverage for the subject loan transaction must be uploaded to the file. |  |
| L333OHB02GQ | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The AVM reflects a value of $xx which is greater than a 10% variance of the appraised value of $xx.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: 02/04/2022: Finding Remains |  |
| DNVBZCL3FUR | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (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. |  |
| ZX3SMEYMMS2 | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (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. |  |
| CNYZBXRKKZP | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 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 amount is $xx but the loan amount is $xx, the title insurance does not cover the loan amount.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R |  |
| T42WYJXW3CZ | XXXX | XXXX |  | XXXXXXX DSCR Flow November 2021 | 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 in the file reflects lender coverage for the subject transaction in the amount of $xx. The subject loan amount is $xx and a copy of the title commitment reflecting at least $xx lender coverage is required. A copy of that required document must be obtained and uploaded to the file. |  |
| J4CHV1JWRIV | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 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 $xx is less than mortgage loan amount $xx. Need updated Title Insurance Policy.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Need Hazard insurance policy with mortgagee clause of "XX and its successors and assigns (ISAOA)"<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM available in file Page#90 does not support the Appraisal value. Need updated AVM with the supported value. |  |
| 2LX03HO5OEM | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 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 which is less than the loan amount of $xx. Please provide updated title.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The guidelines, section 4.3, requires beneficiary on evidence of insurance to be: XX ISAOA. Evidence of insurance located on page 209 reflects XX Mortgage Servicing ISAOA as beneficiary. |  |
| FGKDLBUYEYA | XXXX | XXXX |  | XXXXXXX DSCR Flow November 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| JP3AHPVUUR0 | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 2 | 2 | 3 | 1 | 2 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Meets guideline requirements<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM in file with variance of -39.063%. Per guidelines if greater than -10% variance, field/desk review required. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan amount of $XX is below minimum of $50,000. Lender approved exception prior to closing |
| BRNB3LUQHOY | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow October 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Missing copy of signed lease required per guidelines for occupied properties.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $xx in file reflects a -14.706% variance of the appraised value of $xx. Guidelines permit -10% variance. |  |
| 3PIZVU1LWVW | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: AVM value of $xx does not support appraised value of $xx (variance is -40.357%). Please provide updated value.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowners insurance policy reflects XX Mortgage Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XX 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 does not support appraised value of $xx (variance is -40.357%). Please provide updated value. |  |
| 3DOBIVPINGV | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow November 2021 | 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 on 9/xx/2021. 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 10/4/2021 on page 96 of the loan file reflects a $xx value which is 10.204% less than the appraised value. The AVM did not support the appraised value of the subject property.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The subject property appraised for $xx on 9/14/2021. 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 10/4/2021 on page 96 of the loan file reflects a $xx value which is 10.204% less than the appraised value. The AVM did not support the appraised value of the subject property. |  |
| DGATVY2DJPA | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The provided Hazard Insurance on page 223 reflect Mortgage Clause as XX Mortgage Servicing instead of XX and its successors and assigns (ISAOA). Need updated Hazard Insurance. |  |
| 1BHU0QJE2ST | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XX Mortgage Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XX 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 does not support appraised value of $xx (variance is 12.50%). Please provide updated value. |  |
| UHVYCHZ34UO | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The provided Commitment Report reflects Loan Policy amount $xx lesser than loan amount $xx. Please provide updated title<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: HOI reflects XX mortgage Servicing ISAOA ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should Reflect XX and ISAOA.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of xx does not support appraised value of $xx (variance is 12%). Please provide updated value. |  |
| 24BXHUI4G2V | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The provided Hazard Insurance on page 99 reflect Mortgage Clause as xx instead of XX and its successors and assigns (ISAOA). Need updated Hazard Insurance. |  |
| N55YGFK1UQR | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects xx ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XX and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  |
| R4OB4FETN2X | XXXX | XXXX |  | XXXXXXXXX DSCR Flow December 2021 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The provided Hazard Insurance on page 244 reflect Mortgage Clause as xx instead of XX and its successors and assigns (ISAOA). Need updated Hazard Insurance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The AVM in file on page 267 value of $xx does not support the Appraisal value at origination of $xx |  |
| T4KZP5BDFVV | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow January 2022 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects xx ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XX 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 $xx, the AVM reflects a value of $xx. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $xx |  |
| NXX15ANPPDY | XXXX | XXXX |  | XXXXXXXXXXX DSCR Flow January 2022 | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $xx does not support appraised value of $xx (variance is 22.553%). Please provide updated value.<br>\*\*\* (CURED) Title Issue - EV R<br> COMMENT: The title policy reflects an insured amount of $xx, which is less than the loan amount of $xx. Please provide updated title |  |
| ZQLVWM5GILH | XXXX | XXXX |  | The Lender DSCR December 2021 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title insurance did not meet guideline requirements.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Rental loss insurance requirement was not met. |  |
| 3QBOC0VPDJX | XXXX | XXXX |  | The Lender DSCR December 2021 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| A0YWT2BBB4K | XXXX | XXXX |  | XX XXXXXX QM & NonQm Securitization - 2022 Q1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| JRZROP32N1S | XXXX | XXXX |  | The Lender Non-QM December 2021 Flow | 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.<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. |  |
| TIR00FPEIHZ | XXXX | XXXX |  | XXXXXXXXX XXXX NonQM Securitization- 2022 Q1 Flow | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| E4K2BT30XBX | XXXX | XXXX |  | XXXXXXXXX XXXX NonQM Securitization- 2022 Q1 Flow | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 15**

---

| |
|:---|
| **S&P QM-ATR** |
| **Run Date - 4/4/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **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** |
| NTOEZ0PW31P | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| TLK04RHS4CN | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| VC010EC0TBI | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| 5UR0RLJDYEB | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Oregon | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $30636.60 | XX/XX/XXXX | 4.978% | Employed |  | US Citizen |  | $XXXXXXXX |
| KSUN3FCSJXO | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9173.76 | XX/XX/XXXX | 4.646% | Employed |  | US Citizen |  | $XXXXXXXX |
| LWC252Z5QIV | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| OLTO5KOJMVT | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| J53A5NGQXIB | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| L5OFOZEW55M | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| ZDOII1JKY2B | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Illinois | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4763.75 | XX/XX/XXXX | 6.674% | Employed |  | US Citizen |  | $XXXXXXXX |
| MDFTEJ3YZMZ | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| L333OHB02GQ | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| DNVBZCL3FUR | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| CNYZBXRKKZP | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| T42WYJXW3CZ | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| J4CHV1JWRIV | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 2LX03HO5OEM | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| FGKDLBUYEYA | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| JP3AHPVUUR0 | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| BRNB3LUQHOY | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 3PIZVU1LWVW | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 3DOBIVPINGV | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| DGATVY2DJPA | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 1BHU0QJE2ST | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| UHVYCHZ34UO | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 24BXHUI4G2V | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| N55YGFK1UQR | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| R4OB4FETN2X | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| T4KZP5BDFVV | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| NXX15ANPPDY | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| ZQLVWM5GILH | XXXX | XXXX |  | COLT 2022-4 Final |  |  |  |  | XXXXXXX | XXXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |
| 3QBOC0VPDJX | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  |  |  | US Citizen |  |  |
| A0YWT2BBB4K | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | Yes | $46425.00 | XX/XX/XXXX | 3.801% | Employed | Employed | US Citizen | US Citizen | $XXXXXXXX |
| JRZROP32N1S | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | Yes | $15752.71 | XX/XX/XXXX | 4.163% | Employed | Employed | US Citizen | US Citizen | $XXXXXXXX |
| TIR00FPEIHZ | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Nevada | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $2640.00 | XX/XX/XXXX | 5.667% | Employed |  | US Citizen |  | $XXXXXXXX |
| E4K2BT30XBX | XXXX | XXXX |  | COLT 2022-4 Final | XXXXXXX | XXXXXXX |  |  | XXXXXXX | XXXXXXX | Arizona | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13540.00 | XX/XX/XXXX | 5.362% | Employed |  | US Citizen |  | $XXXXXXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 16**

---

| |
|:---|
| **Rating Agency Grading** |
| **Run Date - 4/4/2022** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** |  |  |  |  |
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Original Loan Amount** |
| NTOEZ0PW31P | XXXX | XXXX |  | $XXXXXXX A |
| TLK04RHS4CN | XXXX | XXXX |  | $XXXXXXX D A |
| VC010EC0TBI | XXXX | XXXX |  | $XXXXXXX A |
| 5UR0RLJDYEB | XXXX | XXXX |  | $XXXXXXX A |
| KSUN3FCSJXO | XXXX | XXXX |  | $XXXXXXX D A |
| LWC252Z5QIV | XXXX | XXXX |  | $XXXXXXX A |
| OLTO5KOJMVT | XXXX | XXXX |  | $XXXXXXX A |
| J53A5NGQXIB | XXXX | XXXX |  | $XXXXXXX A |
| L5OFOZEW55M | XXXX | XXXX |  | $XXXXXXX A |
| ZDOII1JKY2B | XXXX | XXXX |  | $XXXXXXX B A D |
| MDFTEJ3YZMZ | XXXX | XXXX |  | $XXXXXXX D A |
| L333OHB02GQ | XXXX | XXXX |  | $XXXXXXX A D |
| DNVBZCL3FUR | XXXX | XXXX |  | $XXXXXXX D A |
| ZX3SMEYMMS2 | XXXX | XXXX |  | $XXXXXXX A D |
| CNYZBXRKKZP | XXXX | XXXX |  | $XXXXXXX D A |
| T42WYJXW3CZ | XXXX | XXXX |  | $XXXXXXX D A |
| J4CHV1JWRIV | XXXX | XXXX |  | $XXXXXXX D A |
| 2LX03HO5OEM | XXXX | XXXX |  | $XXXXXXX D A |
| FGKDLBUYEYA | XXXX | XXXX |  | $XXXXXXX A |
| JP3AHPVUUR0 | XXXX | XXXX |  | $XXXXXXX B D A |
| BRNB3LUQHOY | XXXX | XXXX |  | $XXXXXXX D A |
| 3PIZVU1LWVW | XXXX | XXXX |  | $XXXXXXX D A |
| 3DOBIVPINGV | XXXX | XXXX |  | $XXXXXXX A D |
| DGATVY2DJPA | XXXX | XXXX |  | $XXXXXXX D A |
| 1BHU0QJE2ST | XXXX | XXXX |  | $XXXXXXX D A |
| UHVYCHZ34UO | XXXX | XXXX |  | $XXXXXXX D A |
| 24BXHUI4G2V | XXXX | XXXX |  | $XXXXXXX D A |
| N55YGFK1UQR | XXXX | XXXX |  | $XXXXXXX D A |
| R4OB4FETN2X | XXXX | XXXX |  | $XXXXXXX D A |
| T4KZP5BDFVV | XXXX | XXXX |  | $XXXXXXX D A |
| NXX15ANPPDY | XXXX | XXXX |  | $XXXXXXX D A |
| ZQLVWM5GILH | XXXX | XXXX |  | $XXXXXXX D A |
| 3QBOC0VPDJX | XXXX | XXXX |  | $XXXXXXX A |
| A0YWT2BBB4K | XXXX | XXXX |  | $XXXXXXX A |
| JRZROP32N1S | XXXX | XXXX |  | $XXXXXXX D A |
| TIR00FPEIHZ | XXXX | XXXX |  | $XXXXXXX A |
| E4K2BT30XBX | XXXX | XXXX |  | $XXXXXXX A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 17**

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 4/4/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **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** | **B3 Citizenship Type** | **B4 Citizenship Type** | **Property Type** | **Number of Units** |
| NTOEZ0PW31P | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXX |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.777% |  |  | PUD | 1 |
| TLK04RHS4CN | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10/25/2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.341% |  |  | 2 Family | 2 |
| VC010EC0TBI | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% | Employed |  | US Citizen |  |  | XXXXXXX | $XXXXXX |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.215% |  |  | PUD | 1 |
| 5UR0RLJDYEB | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 4.978% | 4.750% | Employed |  | US Citizen |  | $XXXXXX |  | $XXXXXX |  | No | Yes | 12 | Business | 3.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $30636.60 | XX/XX/XXXX | 4.750% | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | PUD | 1 |
| KSUN3FCSJXO | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 4.646% | 4.375% | Employed |  | US Citizen |  | $XXXXXX |  | $XXXXXX |  | No | Yes | 12 | Business | 50.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $9173.76 | XX/XX/XXXX |  | $XXXXXX | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | Single Family | 1 |
| LWC252Z5QIV | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.990% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | TheLender NONA Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.401% |  |  | 2 Family | 2 |
| OLTO5KOJMVT | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXX |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 1.169% |  |  | PUD | 1 |
| J53A5NGQXIB | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXX |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $XXXXXX | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.132% |  |  | PUD | 1 |
| L5OFOZEW55M | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXXXXXXXX XXXXXXXX XXXX |  |  |  |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.033% |  |  | Single Family | 1 |
| ZDOII1JKY2B | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 6.674% | 6.500% | Employed |  | US Citizen |  | $XXXXXX |  | $XXXXXX |  | No | Yes | 20 | Business | 40.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXXXXXXX XXXX XXXXX Homeowner Plus | $4763.75 | XX/XX/XXXX |  | $XXXXXX | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | PUD | 1 |
| MDFTEJ3YZMZ | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.445% |  |  | Single Family | 1 |
| L333OHB02GQ | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Guidelines May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.284% |  |  | Single Family | 1 |
| DNVBZCL3FUR | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | RentalONE Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.393% |  |  | 2 Family | 2 |
| ZX3SMEYMMS2 | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXXXXXXXXX/Rental Loan Inv. Property Guidelines |  |  |  | $0.00 |  | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 1.813% |  |  | Single Family | 1 |
| CNYZBXRKKZP | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.226% |  |  | Single Family | 1 |
| T42WYJXW3CZ | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX Rental Loan Invest. Property Guideline |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.453% |  |  | 2 Family | 2 |
| J4CHV1JWRIV | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.342% |  |  | Single Family | 1 |
| 2LX03HO5OEM | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.312% |  |  | Single Family | 1 |
| FGKDLBUYEYA | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guiddeliens |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.882% |  |  | 2 Family | 2 |
| JP3AHPVUUR0 | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX/Rental Loan Inv. Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.844% |  |  | Single Family | 1 |
| BRNB3LUQHOY | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.603% |  |  | Single Family | 1 |
| 3PIZVU1LWVW | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.233% |  |  | Single Family | 1 |
| 3DOBIVPINGV | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.001% |  |  | Single Family | 1 |
| DGATVY2DJPA | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.824% |  |  | Single Family | 1 |
| 1BHU0QJE2ST | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.876% |  |  | Single Family | 1 |
| UHVYCHZ34UO | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guildlines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.057% |  |  | Single Family | 1 |
| 24BXHUI4G2V | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.883% |  |  | Single Family | 1 |
| N55YGFK1UQR | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.216% |  |  | Single Family | 1 |
| R4OB4FETN2X | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.839% |  |  | Single Family | 1 |
| T4KZP5BDFVV | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXXXXXXXXX Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.198% |  |  | PUD | 1 |
| NXX15ANPPDY | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.132% |  |  | Single Family | 1 |
| ZQLVWM5GILH | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONO Guidelines |  |  |  | $0.00 | 2.8 | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 1.249% |  |  | Single Family | 1 |
| 3QBOC0VPDJX | XXXX | XXXX |  | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXX |  | No | No |  |  |  | No |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 3.1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.288% |  |  | PUD | 1 |
| A0YWT2BBB4K | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 3.801% | 4.125% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |  | $XXXXXX |  | No | Yes | 12 | Business | 50.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XX XXXXXX XXXXXXX - Bank Statement Program | $46425.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | PUD | 1 |
| JRZROP32N1S | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 4.163% | 3.875% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |  | $0.00 |  | No | Yes | 9 | Personal | 25.00% | Yes | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 | $15752.71 | XX/XX/XXXX |  | $XXXXXX | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | Single Family | 1 |
| TIR00FPEIHZ | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 5.667% | 5.625% | Employed |  | US Citizen |  | $XXXXXX |  | $0.00 |  | No | Yes | 24 | Business | 60.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXXXXXXX XXXX Expanded Credit Homeowner Elite | $2640.00 | XX/XX/XXXX |  | $0.00 | 3.2 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | Single Family | 1 |
| E4K2BT30XBX | XXXX | XXXX |  | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | 5.362% | 5.250% | Employed |  | US Citizen |  | $XXXXXX |  | $XXXXXX |  | No | Yes | 24 | Business | 40.00% | No | Bank Statements | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX Expanded Credit Homeowner Elite | $13540.00 | XX/XX/XXXX |  | $0.00 | 4.9 | No |  | 0 | 0 | 0 | 0 | 0 |  |  |  | PUD | 1 |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 18**

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 4/4/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Loan #3** | **Pool** | **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** |
| VC010EC0TBI | XXXX | XXXX |  | COLT 2022-4 Final | 1.1 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OLTO5KOJMVT | XXXX | XXXX |  | COLT 2022-4 Final | 1 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| J53A5NGQXIB | XXXX | XXXX |  | COLT 2022-4 Final | 1 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NTOEZ0PW31P | XXXX | XXXX |  | COLT 2022-4 Final | 2.8 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| TLK04RHS4CN | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 5UR0RLJDYEB | XXXX | XXXX |  | COLT 2022-4 Final | 1.6 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| KSUN3FCSJXO | XXXX | XXXX |  | COLT 2022-4 Final | 1.8 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LWC252Z5QIV | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -2.465% | XXXXX XXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -2.465% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3PIZVU1LWVW | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -40.357% | XXXX | 86.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -8.877% | Automated Valuation Model [7] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | -8.877% | XXXXX XXXXXXX | 92.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| L5OFOZEW55M | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 9.390% | XXXX | 87.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ZDOII1JKY2B | XXXX | XXXX |  | COLT 2022-4 Final | 1.8 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| MDFTEJ3YZMZ | XXXX | XXXX |  | COLT 2022-4 Final | 1 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| L333OHB02GQ | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -25.309% | XXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | -7.716% | XXXXX XXXXXXX | 82.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| DNVBZCL3FUR | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 5.882% | XXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ZX3SMEYMMS2 | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 20.812% | XXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| CNYZBXRKKZP | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -49.677% | XXXX | 67.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 28.597% | XXXXX XXXXXXX | 79.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T42WYJXW3CZ | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 31.579% | XXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 31.579% | Automated Valuation Model [7] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| J4CHV1JWRIV | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -28.889% | XXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 39.487% | XXXXX XXXXXXX | 77.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2LX03HO5OEM | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -8.097% | XXXX | 79.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FGKDLBUYEYA | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Multi-Family | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 0.690% | XXXX | 82.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| JP3AHPVUUR0 | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -39.063% | XXXX | 72.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 5.367% | XXXXX XXXXXXX | 87.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| BRNB3LUQHOY | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -14.706% | XXXX | 56.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 51.301% | XXXXX XXXXXXX | 72.800% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3DOBIVPINGV | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -10.204% | XXXX | 69.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 7.544% | XXXXX XXXXXXX | 76.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T4KZP5BDFVV | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -28.727% | XXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 14.157% | Automated Valuation Model [7] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 14.157% | XXXXX XXXXXXX | 92.300% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| DGATVY2DJPA | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -7.071% | XXXX | 80.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1BHU0QJE2ST | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -12.500% | XXXX | 92.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | -8.518% | XXXXX XXXXXXX | 88.800% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| UHVYCHZ34UO | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -12.000% | XXXX | 76.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 7.842% | XXXXX XXXXXXX | 84.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 24BXHUI4G2V | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 10.000% | XXXX | 79.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| N55YGFK1UQR | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -7.755% | XXXX | 65.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| R4OB4FETN2X | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -19.444% | XXXX | 82.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | 35.606% | XXXXX XXXXXXX | 74.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NXX15ANPPDY | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -22.553% | XXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | -8.057% | XXXXX XXXXXXX | 79.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ZQLVWM5GILH | XXXX | XXXX |  | COLT 2022-4 Final | 2.8 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3QBOC0VPDJX | XXXX | XXXX |  | COLT 2022-4 Final | 3.1 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| A0YWT2BBB4K | XXXX | XXXX |  | COLT 2022-4 Final |  | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 12.234% | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | 12.234% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| JRZROP32N1S | XXXX | XXXX |  | COLT 2022-4 Final | 1 | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| TIR00FPEIHZ | XXXX | XXXX |  | COLT 2022-4 Final | 3.2 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| E4K2BT30XBX | XXXX | XXXX |  | COLT 2022-4 Final | 4.9 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX XXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXX XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.9

**Exhibit 99.9**

![](ex99-9_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRP-Annex VI AIV, LLC ("Client"). The review was conducted between August 2021 and December 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 40 Non-QM loans and 31 ATR-QM exempt loans for a total of 71 loans the "Final Securitization Population".

*<u>Credit Reviews (71):</u>*

During the Review, Selene performed a credit review on 71 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (71)</u>*

During the Review, Selene performed a compliance review, when applicable on 71 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (71):</u>*

During the Review, Selene performed a property valuation review on 71 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (71):</u>*

During the Review, Selene performed a Data Integrity Review on 71 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 71 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;71 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;71 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;71 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;71 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

ACC Underwriting Guidelines, Loanstream One Guidelines, Deephaven Underwriting Guidelines, Vontive DSCR Rental Credit Policies, Loanstream Core Guidelines, CV3 Financial Services Underwriting Procedures Manual, Kind Lending Non-Agency Program Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **16**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 71 mortgage loans, (ii) a Compliance Review on 71 mortgage loans (iii) a Valuation Review on 71 mortgage loans, and (iv) a Data Integrity Review on 71 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 71 mortgage loans; 62 mortgage loans had a rating grade of A, 9 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (71 overall loans)***:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;28.17% | &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;87.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.41% | &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;12.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;15 | &nbsp;&nbsp;21.13% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;35 | &nbsp;&nbsp;49.30% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.59% | &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;88.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.41% | &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;11.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **16**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **10** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **16**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License <br>
Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxxx0134 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| xxxxxxx0134 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx0134 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0134 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0636 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8078 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8078 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8078 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3573 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3573 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx2181 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2181 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx0035 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0035 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0035 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx6806 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx6806 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxx6806 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5152 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1920 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1920 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1920 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1920 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5794 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0491 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1593 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9534 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3190 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9953 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9953 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9953 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9953 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9284 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9284 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9284 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9284 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1386 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1386 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1386 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1386 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5972 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5972 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5972 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx5972 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0214 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0214 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4476 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4476 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4476 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3698 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3698 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7146 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7146 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx9641 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4895 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3023 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3005 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx1865 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3093 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx3093 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6110 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx6110 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4681 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4681 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4681 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4681 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3099 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2933 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxx5037 |  |  | XXXX | XXXX | hudClosingDetailPage | XXXX | XXXX | XXXX |
| xxx6296 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| xxxxxx9645 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9645 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9645 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxx2830 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxx3034 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxx3997 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| xxx3997 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| xxx3997 |  |  | XXXX | XXXX | deedOfTrustPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxxx0134 |  |  | XXXX A C |
| xxxxxx4404 |  |  | XXXX D A |
| xxxxxx6122 |  |  | XXXX D A |
| xxxxxx9618 |  |  | XXXX D C A |
| xxxxxx0636 |  |  | XXXX A |
| xxxxxx8078 |  |  | XXXX C D A |
| xxxxxx3573 |  |  | XXXX D A |
| xxxxxx2181 |  |  | XXXX A C |
| xxxxxx0035 |  |  | XXXX D A |
| xxxxxx7277 |  |  | XXXX C D A |
| xxxxxx8818 |  |  | XXXX A D |
| xxxxx6806 |  |  | XXXX C D A |
| xxxxxx5152 |  |  | XXXX A |
| xxxxxx1920 |  |  | XXXX A |
| xxxxxx5794 |  |  | XXXX D A B |
| xxxxxx0491 |  |  | XXXX A |
| xxxxxx9207 |  |  | XXXX C A |
| xxxxxx1593 |  |  | XXXX A |
| xxxxxx9534 |  |  | XXXX D A |
| xxxxxx3190 |  |  | XXXX A D |
| xxxxxx9096 |  |  | XXXX D C A |
| xxxxxx7853 |  |  | XXXX B A |
| xxxxxx9953 |  |  | XXXX C B A |
| xxxxxx1579 |  |  | XXXX A D |
| xxxxxx9284 |  |  | XXXX D A |
| xxxxxx8914 |  |  | XXXX D A |
| xxxxxx0120 |  |  | XXXX A |
| xxxxxx9042 |  |  | XXXX D A |
| xxxxxx3312 |  |  | XXXX A D |
| xxxxx8481 |  |  | XXXX A D |
| xxxxxx1386 |  |  | XXXX C A |
| xxxxxx5972 |  |  | XXXX D A |
| xxxxxx2438 |  |  | XXXX A |
| xxxxxx0645 |  |  | XXXX A |
| xxxxxx0214 |  |  | XXXX C A D |
| xxxxxx4476 |  |  | XXXX C A |
| xxxxxx3698 |  |  | XXXX C A D |
| xxxxxx7146 |  |  | XXXX A |
| xxxxx9641 |  |  | XXXX C A B |
| xxxxx8393 |  |  | XXXX C D A B |
| xxxxxx4895 |  |  | XXXX C D A |
| xxxxxx3952 |  |  | XXXX A D |
| xxxxxx3023 |  |  | XXXX C A |
| xxxxxx2663 |  |  | XXXX A D |
| xxxxxx3005 |  |  | XXXX A |
| xxxxxx3096 |  |  | XXXX C A B |
| xxxxxx2897 |  |  | XXXX A D |
| xxxxxx1865 |  |  | XXXX A |
| xxxxxx3093 |  |  | XXXX D A B |
| xxx5695 |  |  | XXXX D A |
| xxxxxx6110 |  |  | XXXX C A |
| xxxxxx4681 |  |  | XXXX C A |
| xxxxxx3099 |  |  | XXXX C A B |
| xxxxxx7995 |  |  | XXXX A D |
| xxxxxx2933 |  |  | XXXX C D A |
| xxx6691 |  |  | XXXX D A |
| xxx2214 |  |  | XXXX A |
| xxx3779 |  |  | XXXX A |
| xxx4194 |  |  | XXXX C A |
| xxx5037 |  |  | XXXX A |
| xxx1760 |  |  | XXXX A |
| xxxxxx0159 |  |  | XXXX B A D |
| xxx9319 |  |  | XXXX A |
| xxx6296 |  |  | XXXX A |
| xxx0048 |  |  | XXXX A |
| xxxxxx9645 |  |  | XXXX C A |
| xxx5326 |  |  | XXXX A |
| xxx2830 |  |  | XXXX A |
| xxx0943 |  |  | XXXX D A |
| xxx3034 |  |  | XXXX C A |
| xxx3997 |  |  | XXXX A D B |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxxx0134 |  |  | Closed | 2021-09-15 12:20 | 2021-09-17 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Client provided PCCD X/XX/XXXX with corrected dates. Finding resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Final CD issued on X/XX with a closing date of X/XX, borrower signed X/XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Client provided PCCD X/XX/XXXX with corrected dates. Finding resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| docXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 87549 | N/A | N/A |
| XXXX | xxxxxxx0134 |  |  | Closed | 2021-09-14 07:10 | 2021-09-17 08:24 | Resolved | 1 - Information C A | Property | Missing Doc | Missing appraisal. | Resolved-Client provided Appraisal dated X/XX/XXXX. Finding resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Appraisal is missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Client provided Appraisal dated X/XX/XXXX. Finding resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX & XXXXXX XXXXXXXXXX(XX).pdf |  |  | CA | Primary Residence | Purchase | NA | 84681 | N/A | N/A |
| XXXX | xxxxxx4404 |  |  | Closed | 2025-02-11 04:00 | 2025-02-14 03:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Income Worksheet - XXXXXX-XX/XX/XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Due to imaging errors in the upload, income calculation worksheet on page #XXX for XX is not reflecting legible numbers to verify the exact deposit. Per the Final XXXX and the XXXX, qualifying income for XX was $X,XXX. Provide the income calculation worksheet validating this amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheet - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX Income Worksheet.pdf |  |  | MO | Primary Residence | Purchase | NA | 3393992 | N/A | N/A |
| XXXX | xxxxxx4404 |  |  | Closed | 2025-02-11 04:54 | 2025-02-14 03:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows X Uncleared Alerts - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | MO | Primary Residence | Purchase | NA | 3394179 | N/A | N/A |
| XXXX | xxxxxx4404 |  |  | Closed | 2025-02-11 04:39 | 2025-02-13 03:52 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than X.X uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation as it is missing from file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than X.X uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX XXXXXXX XXX.pdf |  |  | MO | Primary Residence | Purchase | NA | 3394134 | N/A | N/A |
| XXXX | xxxxxx4404 |  |  | Closed | 2025-02-11 05:24 | 2025-02-14 12:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate XX date was entered correctly – see page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX , the appraisal disclosure was provided to the borrower(s)- see page # XX, XX and copy of the appraisal was given to the borrower – see page # XX, XX for the copy of the disclosure. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate XX date was entered correctly – see page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX , the appraisal disclosure was provided to the borrower(s)- see page # XX, XX and copy of the appraisal was given to the borrower – see page # XX, XX for the copy of the disclosure. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MO | Primary Residence | Purchase | NA | 3394303 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-28 10:54 | 2025-04-07 14:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) The file missing Notice of Right to Receive Appraisal. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX___ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___Findings / Final LE__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s Missing___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Requesting Notice of Right to Receive Appraisal. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Uploaded Notice of Right to Receive copy of Appraisal X/X/XXXX. <br> The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) The file missing Notice of Right to Receive Appraisal. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX___ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___Findings / Final LE__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s Findings___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see page XX of XX. - XXXXXX-XX/XX/XXXX <br>Counter-XXXXXX XXXXX requirements. Requesting Notice of Right to Receive Appraisal. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Can you please clarify what documents drove this condition? It appears to be multiple conditions all loaded into one. - XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) The file missing Notice of Right to Receive Appraisal. <br> This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX___ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___Findings / Final LE__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s Missing___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. <br> Requesting Notice of Right to Receive Appraisal. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see page XX of XX. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Can you please clarify what documents drove this condition? It appears to be multiple conditions all loaded into one. - XXXXXX-XX/XX/XXXX<br>| Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) The file missing Notice of Right to Receive Appraisal. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX___ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___Findings / Final LE__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s Missing___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Requesting Notice of Right to Receive Appraisal. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Uploaded Notice of Right to Receive copy of Appraisal X/X/XXXX. <br> The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) The file missing Notice of Right to Receive Appraisal. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX___ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___Findings / Final LE__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s Findings___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX_Disclosures.pdf |  |  | MD | Primary Residence | Purchase | NA | 3720911 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-09 05:55 | 2025-03-28 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Guidelines X/XX/XXXX Page XX Self Employed Borrowers, requesting internet screen print search for phone listing and/or business search, letter from third party company utilizing business services or business license. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_XXX Letter.pdf |  |  | MD | Primary Residence | Purchase | NA | 3564922 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-11 10:05 | 2025-03-28 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing Profit and Loss thru X/XX/XXXX completed for XXXXXX XXXXXXXXX, appears to be Borrowers Spouse who is Non-Borrower. Requesting P&L completed for XXXXXXXX XXXXXXXXX XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_Profit and Loss XXXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 3581979 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-11 10:18 | 2025-03-27 13:23 | Resolved | 1 - Information C A | Credit | Credit | Missing condo documentation. | Resolved-XXX Units. XX units XX+ days delinquent, X.XX% within maximum XX%. <br> HOA questionnaire Xf. states see list regarding number owned by a single person/entity, list missing. XXX of XXX units are Owner Occupied, if any Single Borrower/Entity owned XX investment and X owner occupied unit= XX/X.XX% within maximum XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-XXX unit, XX units/X.XX%, Maximum XX%<br> Guideline X/XX/XXXX page XX Project in which a single entity owns more than XX% of the total number of units is ineligible XXXXXX XXXXX Warrantable or XXXXXXXXXX's Established Project. Single Entity cannot own more than XX%/XXX Units regardless of occupancy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See response regarding HOA cert. - Seller-XX/XX/XXXX <br>Open-HOA questionnaire reads XX units XX+ days delinquent. Questionnaire shows single person/entity owns more than X unit and to See List. Guidelines X/XX/XXXX page XX for Established Guidelines, requesting documentation to verify any delinquent assessments greater than XX days may not exceed XX% of the total number of XXX units in the project. Documentation to verify number of units owned by single person/entity. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See response regarding HOA cert. - Seller-XX/XX/XXXX<br>| Resolved-XXX Units. XX units XX+ days delinquent, X.XX% within maximum XX%. <br> HOA questionnaire Xf. states see list regarding number owned by a single person/entity, list missing. XXX of XXX units are Owner Occupied, if any Single Borrower/Entity owned XX investment and X owner occupied unit= XX/X.XX% within maximum XX%. - Due Diligence Vendor-XX/XX/XXXX<br>| Condo Response.pdf |  |  | MD | Primary Residence | Purchase | NA | 3582177 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-11 09:18 | 2025-03-27 12:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Exclusion Search Results for Appraiser and Buyers Agent - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Alerts were cleared from attached doc provided with initial upload. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts XXXXXXXXX XXXXXXXX report unresolved High Alerts for Appraiser and Buyers Agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Alerts were cleared from attached doc provided with initial upload. - Seller-XX/XX/XXXX<br>| Resolved-Exclusion Search Results for Appraiser and Buyers Agent - Due Diligence Vendor-XX/XX/XXXX<br>| XXX.XXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 3581176 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-19 10:47 | 2025-03-26 14:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-COC X/X/XXXX Rate XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Change of Circumstance for Rate XX for Subsequent LE X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-COC X/X/XXXX Rate XX - Due Diligence Vendor-XX/XX/XXXX<br>| COC.pdf |  |  | MD | Primary Residence | Purchase | NA | 3648373 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-19 10:48 | 2025-03-26 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Initial LE X/X/XXXX uploaded XX/XX/XXXX, Service Provider List. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX was provided with Initial LE. Please clarify if it is not acceptable. - Seller-XX/XX/XXXX <br>Open-Missing Service Provider List. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX was provided with Initial LE. Please clarify if it is not acceptable. - Seller-XX/XX/XXXX<br>| Resolved-Initial LE X/X/XXXX uploaded XX/XX/XXXX, Service Provider List. - Due Diligence Vendor-XX/XX/XXXX<br>| Initial LE.pdf |  |  | MD | Primary Residence | Purchase | NA | 3648418 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-11 09:12 | 2025-03-19 10:16 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-XXXXXXXX XX XXXXXXXXX Statement xxXXXX XX/XX/XXXX Account Holder Borrower XXXXXXXX XXXXXXXXX XXXXXXXXX and Spouse XXXXXXXX X XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset Qualification Does Not Meet Guideline Requirements Page XXX XXXXXXXXX XXXXX Screen Print xxXXXX Account Holder Name not shown. Requesting two month banking statements to verify funds to close, earnest money cleared account, receipt of gift funds. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXXX XX XXXXXXXXX Statement xxXXXX XX/XX/XXXX Account Holder Borrower XXXXXXXX XXXXXXXXX XXXXXXXXX and Spouse XXXXXXXX X XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_X ofX xXXXX.pdf<br>XXXXXXXXX XXXXXXXXXX_BofX xXXXX.pdf<br>XXXXXXXXX XXXXXXXXXX_B ofX xXXXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 3581084 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-09 06:57 | 2025-03-19 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Initial Loan Estimate document which is missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial LE X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_Initial LE.pdf |  |  | MD | Primary Residence | Purchase | NA | 3564984 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-09 06:53 | 2025-03-19 09:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Signed Intent to Proceed Disclosure which is missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Intent to Proceed X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_Intent to Proceed.pdf |  |  | MD | Primary Residence | Purchase | NA | 3564978 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-11 10:06 | 2025-03-19 09:53 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-Purchase Contract Addendum Close on or before X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Purchase Contract expired X/XX/XXXX. Requesting signed/dated Addendum for Closing X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Purchase Contract Addendum Close on or before X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXX_Extension.pdf |  |  | MD | Primary Residence | Purchase | NA | 3581994 | N/A | N/A |
| XXXX | xxxxxx6122 |  |  | Closed | 2025-03-28 10:54 | 2025-04-07 14:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX of XXXXXXXXX XXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXXX.XX(a)(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___XXXXXXXX / XXXXX XX__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXXXXXXX___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Finding opened for missing Notice of Right to Receive Appraisal. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX of XXXXXXXXX XXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXXX.XX(a)(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___XXXXXXXX / XXXXX XX__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXXXXXXX___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Finding opened for missing Notice of Right to Receive Appraisal. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX of XXXXXXXXX XXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXXX.XX(a)(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___XXXXXXXX / XXXXX XX__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXXXXXXX___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Finding opened for missing Notice of Right to Receive Appraisal. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX of XXXXXXXXX XXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXXX.XX(a)(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate XX date was entered correctly – see Pg#'s ___XXXXXXXX / XXXXX XX__ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXXXXXXX___ , and copy of the appraisal was given to the borrower – see Pg#'s _XX, XXX____. Finding opened for missing Notice of Right to Receive Appraisal. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3720910 | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2025-04-08 01:20 | 2025-04-17 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX.pdf |  |  | UT | Primary Residence | Purchase | NA | 3802927 | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2025-04-08 08:38 | 2025-04-17 15:18 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Updated employment page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VVOE - XXXXXX-XX/XX/XXXX <br>Counter-The one attached is dated X/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VVOE - XXXXXX-XX/XX/XXXX <br>Open-VOE performed more than XX days prior to closing. Provide updated VOE within XX days prior to closing date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. VVOE - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VVOE - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated employment page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| VVOE.pdf<br>VVOE.pdf |  |  | UT | Primary Residence | Purchase | NA | 3805796 | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2025-04-08 02:47 | 2025-04-14 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document with corrected P&I amount of $X,XXX.XX and Interest Rate of X.XXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide the updated XXXX with P&I amount of $X,XXX.XX and Interest Rate of X.XXX, XXXX & Lender Loan Approval Document showing as P&I amount of $X,XXX.XX and Interest Rate of X.XXX and Note, Lender Loan information showing as P&I amount of $X,XXX.XX and Interest Rate of X.XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX document with corrected P&I amount of $X,XXX.XX and Interest Rate of X.XXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.pdf |  |  | UT | Primary Residence | Purchase | NA | 3803148 | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2025-04-08 03:34 | 2025-04-10 07:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC's for lender credit decrease due to XX extensions - XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide the COC for FINAL CD XX/XX/XXXX . COC for Lender Credits Decreased Initial cd $X,XXX.XX to Final CD $X,XXX.XX. - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC's for lender credit decrease due to XX extensions - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| COC fro XXX X XX XX XX.pdf<br>COC for XXX X XX XX XX.pdf<br>COC for XXX X XX XX XX.pdf |  |  | UT | Primary Residence | Purchase | NA | 3803282 | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2025-04-08 03:34 | 2025-04-10 07:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, and the Final Closing disclosure on Pg#'XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#' XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX-XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'XX-XX,XX. The loan meets HPML guidelines - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, and the Final Closing disclosure on Pg#'XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#' XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX-XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'XX-XX,XX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, and the Final Closing disclosure on Pg#'XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#' XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX-XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'XX-XX,XX. The loan meets HPML guidelines - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, and the Final Closing disclosure on Pg#'XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#' XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX-XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'XX-XX,XX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3803283 | N/A | N/A |
| XXXX | xxxxxx0636 |  |  | Closed | 2025-04-21 02:08 | 2025-04-21 02:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-XXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXX.XX constitutes compliance with XXX CMR XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX CMR XX.XX; XX CFR XXXX.XX(a)(X)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. " - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-XXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXX.XX constitutes compliance with XXX CMR XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX CMR XX.XX; XX CFR XXXX.XX(a)(X)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. " - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MA | Primary Residence | Purchase | NA | 3911565 | N/A | N/A |
| XXXX | xxxxxx0636 |  |  | Closed | 2025-04-21 02:08 | 2025-04-21 02:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MA | Primary Residence | Purchase | NA | 3911566 | N/A | N/A |
| XXXX | xxxxxx8078 |  |  | Closed | 2025-04-23 03:03 | 2025-05-02 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Reserves have been updated to X in the system and the CPA letter was obtained prior to closing to confirm that use of business funds will not impact the business. XX. XXXX is XX% owner of the business, so we input XXXXXXXXXXXXXXX statement information as reserves at XX%. Attached are the XXXXX statement and CPA letter. - XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Additional asset documentation required to meet Guideline Required Reserves of X months. - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Reserves have been updated to X in the system and the CPA letter was obtained prior to closing to confirm that use of business funds will not impact the business. XX. XXXX is XX% owner of the business, so we input XXXXXXXXXXXXXXX statement information as reserves at XX%. Attached are the XXXXX statement and CPA letter. - XXXXXX-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX - CPA letter for use of business funds for reserves.pdf<br>XXXX - XXXXX account for reserves.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3934777 | N/A | N/A |
| XXXX | xxxxxx8078 |  |  | Closed | 2025-04-23 02:45 | 2025-05-02 08:28 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO per credit report is XXX considered as primary wage earner mid score. Score in XXXX shows XXX which is not reflecting in credit report pg#XXX - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXX XXXXX.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3934732 | N/A | N/A |
| XXXX | xxxxxx8078 |  |  | Closed | 2025-04-23 01:11 | 2025-04-30 06:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX pg#XXX is not reflecting Income/Employment details of borrower but XXXX shows loan is qualified using Income from XX Months Bank Statements. Provide updated FinalXXXX with borrower Income details. - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXX Updated XXXX.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3934078 | N/A | N/A |
| XXXX | xxxxxx3573 |  |  | Closed | 2025-05-08 04:56 | 2025-05-23 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW analysis, page XXX of loan package - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing for borrower X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. UW analysis, page XXX of loan package - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| UW analysis.jpg |  |  | CA | Primary Residence | Purchase | NA | 4079074 | N/A | N/A |
| XXXX | xxxxxx3573 |  |  | Closed | 2025-05-07 04:26 | 2025-05-22 02:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated Final XXXX & XXXX with corrected Net sale proceeds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of deposit for Net sale proceeds from real estate $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX & XXXX with corrected Net sale proceeds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXXX and XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 4066165 | N/A | N/A |
| XXXX | xxxxxx3573 |  |  | Closed | 2025-05-06 05:32 | 2025-05-06 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4053604 | N/A | N/A |
| XXXX | xxxxxx3573 |  |  | Closed | 2025-05-06 05:32 | 2025-05-06 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4053603 | N/A | N/A |
| XXXX | xxxxxx2181 |  |  | Closed | 2025-05-16 12:20 | 2025-05-21 13:33 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD uploaded Mavent cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. pccd showing gift funds, and borrowers funds along with wire receipts from title to match. - Seller-XX/XX/XXXX <br>Open-PCCD Missing Gift Deposited $XX,XXX, Borrower own funds minimum X%/$XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. pccd showing gift funds, and borrowers funds along with wire receipts from title to match. - Seller-XX/XX/XXXX<br>| Resolved-PCCD uploaded Mavent cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX pccd.pdf<br>XXXXX receipt title.pdf |  |  | CA | Primary Residence | Purchase | NA | 4166809 | N/A | N/A |
| XXXX | xxxxxx2181 |  |  | Closed | 2025-05-13 05:35 | 2025-05-21 13:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4124304 | N/A | N/A |
| XXXX | xxxxxx2181 |  |  | Closed | 2025-05-13 05:35 | 2025-05-21 13:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4124305 | N/A | N/A |
| XXXX | xxxxxx0035 |  |  | Closed | 2025-05-22 06:26 | 2025-05-28 07:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is less than or equal to XXXXXXXXX LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV XX% is within XXXXXXXXX LTV of XX% (No Cash-out refinance, condo). Invalid finding. Sent to IT. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Audited LTV of XX% is less than or equal to XXXXXXXXX LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV XX% is within XXXXXXXXX LTV of XX% (No Cash-out refinance, condo). Invalid finding. Sent to IT. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 4212953 | N/A | N/A |
| XXXX | xxxxxx0035 |  |  | Closed | 2025-05-27 06:40 | 2025-05-28 06:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. U/W did not use income for child support to qualify. Please see XXXX and new NANQ/XXXX screen attached. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX and XXXX have incorrect Child support income. Should be $XXX and not $XXX per month per docs in file. Send updated XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. U/W did not use income for child support to qualify. Please see XXXX and new NANQ/XXXX screen attached. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXX.pdf<br>XX XXXX.jpg |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 4241961 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-10-06 13:01 | 2025-10-07 12:35 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Disbursement | Resolved-Rescission reopened after loan funded, closed on X/XX/XX. Finding Resolved based on uploaded NORTC<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX)<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Rescission reopened after loan funded, closed on X/XX/XX. Finding Resolved based on uploaded NORTC<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5790764 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-10-03 00:02 | 2025-10-07 12:19 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-RoR provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date XXXX-XX-XX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Provide PCCD - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Provide PCCD - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-RoR provided and updated. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5761601 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 02:28 | 2025-10-06 13:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-NRTC provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. NRTC - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Missing Right to Cancel date document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. NRTC - Seller-XX/XX/XXXX<br>| Resolved-NRTC provided and updated. - Due Diligence Vendor-XX/XX/XXXX<br>| Doc - Sep XX XXXX - X-XX AM.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4356869 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 01:37 | 2025-07-09 02:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected DOT & PUD RIder - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Provide the updated DOT document with PUD Rider is not documented. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrected DOT & PUD RIder - Seller-XX/XX/XXXX<br>| Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| mortgage - re-record.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4356273 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 00:51 | 2025-07-09 02:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected DOT & PUD Rider - Seller-XX/XX/XXXX <br>Open-PUD Rider is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrected DOT & PUD Rider - Seller-XX/XX/XXXX<br>| Resolved-PUD Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| mortgage - re-record.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4355400 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 00:46 | 2025-06-20 08:09 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Owns primary free and clear and prior residence as well. Updated credit page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached are all the items for the VOM; Current property was bought in cash - Statement attached to support Free and Clear. Previous address was owned Free and Clear - HOI attached to support. Previous address to that was sold X/XXXX - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers XX Primary months, Provide the XX months Primary months history of Borrower to meet GL Requirements.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached are all the items for the VOM; Current property was bought in cash - Statement attached to support Free and Clear. Previous address was owned Free and Clear - HOI attached to support. Previous address to that was sold X/XXXX - Seller-XX/XX/XXXX<br>| Resolved-Owns primary free and clear and prior residence as well. Updated credit page. - Due Diligence Vendor-XX/XX/XXXX<br>| Current Home - Free and Clear.pdf<br>Previous Address - Free and Clear.pdf<br>Previous Address - Sold in X-XXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4355275 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 02:24 | 2025-06-09 13:40 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-XXXX and XXXXs updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX & XXXX - Seller-XX/XX/XXXX <br>Open-Appraisal value is as per XXXX and XXXX appraisal value is $X,XXX,XXX where as actual appraisal value is $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX & XXXX - Seller-XX/XX/XXXX<br>| Resolved-XXXX and XXXXs updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4356861 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 00:51 | 2025-06-09 13:39 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXX SSR.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4355398 | N/A | N/A |
| XXXX | xxxxxx7277 |  |  | Closed | 2025-06-06 01:12 | 2025-06-09 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4355703 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-16 11:26 | 2025-07-25 15:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved with upload - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fees did not increase from the initial LE to final CD, with the exception of the credit report fee (which is covered by the $XX cure listed on the final CD) - seller paid fees should NOT be included in the fee tolerance review. Please waive/clear the condition - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan has been escalated to the XXXXXX team to assist with clearing condition. Note added to ensure SLA is not breached - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fees did not increase from the initial LE to final CD - seller paid fees should NOT be included in the fee tolerance review. Please waive/clear the condition - Seller-XX/XX/XXXX <br>Counter-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please provide additional details or clear the finding. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Fees did not increase from the initial LE to final CD, with the exception of the credit report fee (which is covered by the $XX cure listed on the final CD) - seller paid fees should NOT be included in the fee tolerance review. Please waive/clear the condition - Seller-XX/XX/XXXX <br>Ready for Review-Fees did not increase from the initial LE to final CD - seller paid fees should NOT be included in the fee tolerance review. Please waive/clear the condition - Seller-XX/XX/XXXX <br>Ready for Review-Please provide additional details or clear the finding. - Seller-XX/XX/XXXX<br>| Resolved-Resolved with upload - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4838827 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-09 03:12 | 2025-07-18 11:23 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP received and reviewed. XXXXXXXX has been updated to reflect provided documentation - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Executed Intent to proceed attached. - Seller-XX/XX/XXXX <br>Counter-The attached document is a copy of the Patriot Act Disclosure. Provide copy of the Intent to Proceed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached ITP - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide executed intent to proceed. Document missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Executed Intent to proceed attached. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached ITP - Seller-XX/XX/XXXX<br>| Resolved-ITP received and reviewed. XXXXXXXX has been updated to reflect provided documentation - Due Diligence Vendor-XX/XX/XXXX<br>| ITP.pdf<br>Intent to Proceed.pdf |  |  | CA | Primary Residence | Purchase | NA | 4745098 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-09 03:10 | 2025-07-18 11:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Document has been reviewed. XXXXXXXX has been updated with the details provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Homeowners Counseling notice - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide consumer caution. Document is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Homeowners Counseling notice - Seller-XX/XX/XXXX<br>| Resolved-Document has been reviewed. XXXXXXXX has been updated with the details provided - Due Diligence Vendor-XX/XX/XXXX<br>| Counseling Notice.pdf |  |  | CA | Primary Residence | Purchase | NA | 4745092 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-09 03:15 | 2025-07-16 11:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE received and reviewed. Additional conditions may fire with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached LE dated XX/XX/XXXX - Seller-XX/XX/XXXX <br>Open-Provide loan estimate. Document missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached LE dated XX/XX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-LE received and reviewed. Additional conditions may fire with Mavent run - Due Diligence Vendor-XX/XX/XXXX<br>| LE.pdf |  |  | CA | Primary Residence | Purchase | NA | 4745102 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-09 07:13 | 2025-07-16 10:43 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Document received and reviewed. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XX document - Seller-XX/XX/XXXX <br>Open-Provide Service provider's list. Document missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached XX document - Seller-XX/XX/XXXX<br>| Resolved-Document received and reviewed. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XX.pdf |  |  | CA | Primary Residence | Purchase | NA | 4746671 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-16 11:26 | 2025-07-25 15:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Loan Meets State.HPML guides<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan Meets State guides - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Maven run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) Reopened with Mavent run. Resolved as HPML checks have been passed - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have been cleared - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan passes HPML checks. Rate XX date was entered correctly. An interior and exterior appraisal was completed for this property with the appraisal acknowledgment was provided to the borrower(s), and confirmation the appraisal was delivered to the borrower –The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Loan Meets State.HPML guides<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan Meets State guides - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Maven run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) Reopened with Mavent run. Resolved as HPML checks have been passed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have been cleared - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan passes HPML checks. Rate XX date was entered correctly. An interior and exterior appraisal was completed for this property with the appraisal acknowledgment was provided to the borrower(s), and confirmation the appraisal was delivered to the borrower –The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4838826 | N/A | N/A |
| XXXX | xxxxxx8818 |  |  | Closed | 2025-07-16 11:26 | 2025-07-25 15:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Loan Meets HPML Guides<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan Meets HPML Guides - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Maven run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Reopened with Mavent run. Resolved as HPML checks have been passed - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have been cleared - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan passes HPML checks. Rate XX date was entered correctly. An interior and exterior appraisal was completed for this property with the appraisal acknowledgment was provided to the borrower(s), and confirmation the appraisal was delivered to the borrower –The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Loan Meets HPML Guides<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan Meets HPML Guides - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Maven run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Reopened with Mavent run. Resolved as HPML checks have been passed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have been cleared - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan passes HPML checks. Rate XX date was entered correctly. An interior and exterior appraisal was completed for this property with the appraisal acknowledgment was provided to the borrower(s), and confirmation the appraisal was delivered to the borrower –The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4838825 | N/A | N/A |
| XXXX | xxxxx6806 |  |  | Closed | 2025-07-21 17:31 | 2025-07-23 11:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate XX | Resolved-Evidence of Rate XX Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate XX Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate XX Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XX XX.pdf |  |  | CA | Primary Residence | Purchase | NA | 4897119 | N/A | N/A |
| XXXX | xxxxx6806 |  |  | Closed | 2025-07-18 02:08 | 2025-07-23 01:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 PayXX Less Than 1 Month Provided | Resolved-Borrower X PayXX for X Month Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X PayXX Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X PayXX Less Than X Month Provided Required Xmonth paystub , WVOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X PayXX for X Month Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X PayXX Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XX XX X.pdf<br>XX XX.pdf |  |  | CA | Primary Residence | Purchase | NA | 4863611 | N/A | N/A |
| XXXX | xxxxx6806 |  |  | Closed | 2025-07-18 03:41 | 2025-07-21 17:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) .This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) .This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Resolved | CA | Primary Residence | Purchase | NA | 4863814 | N/A | N/A |
| XXXX | xxxxx6806 |  |  | Closed | 2025-07-18 03:41 | 2025-07-21 17:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) .This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br>- XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) .This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br>- XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  | resolved | CA | Primary Residence | Purchase | NA | 4863815 | N/A | N/A |
| XXXX | xxxxxx5152 |  |  | Closed | 2025-07-18 01:47 | 2025-07-22 07:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX-XXX, XXXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX-XXX, XXXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | CO | Primary Residence | Purchase | NA | 4863544 | N/A | N/A |
| XXXX | xxxxxx1920 |  |  | Closed | 2025-07-24 00:22 | 2025-07-25 14:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower page XXX and confirmation the appraisal was delivered to the borrower – see Pg #XX-XX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower page XXX and confirmation the appraisal was delivered to the borrower – see Pg #XX-XX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Purchase | NA | 4928713 | N/A | N/A |
| XXXX | xxxxxx5794 |  |  | Closed | 2025-07-27 06:16 | 2025-08-12 08:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Missing bank statement from X/XXXX provided. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Provide Bank statement for acc#XXXX for XX/XXXX month which is missing from loan file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Borrower X Business Bank Statements Provided - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Missing bank statement from X/XXXX provided. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXX XXXX X-XX-XX to XX-XX-XX.pdf |  |  | TX | Primary Residence | Purchase | NA | 4958836 | N/A | N/A |
| XXXX | xxxxxx5794 |  |  | Closed | 2025-08-06 09:55 | 2025-08-12 07:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Discount points increased from the initial LE from $XX,XXX to $XX,XXX on the initial CD dated X/XX/XXXX. There was a discount fee disclosure in the file, however it was dated / signed on X/XX/XXXX. Additionally, the appraisal fee increased from $X,XXX to $X,XXX without a valid Change of Circumstance in the file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). comment in XX - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX COC.pdf |  |  | TX | Primary Residence | Purchase | NA | 5075786 | N/A | N/A |
| XXXX | xxxxxx5794 |  |  | Closed | 2025-07-30 11:19 | 2025-08-06 10:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated X/XX/XXXX received and entered into XX. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The initial CD is missing from the file. Provide along w/ any applicable COC's. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CD attached - Seller-XX/XX/XXXX<br>| Resolved-Initial CD dated X/XX/XXXX received and entered into XX. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX Initial CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 4996329 | N/A | N/A |
| XXXX | xxxxxx5794 |  |  | Closed | 2025-07-24 23:17 | 2025-07-31 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved by XXXX on XX/XX/XXXX<br> - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX PER G/L Matrix XX.XX.XXXX, Guideline Maximum Loan Amount of $X,XXX,XXX<br> Exception provided page#XXXX Exception for loan amount >$X.X mil is approved. Loan amount is $X mil approved by Sr mgmt. prior to submission - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  | DTI is XX.XX%. Maximum allowed per guidelines is XX%.<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Residual Income is $XXXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Property condition is CX, minimum guideline requirement CX. | TX | Primary Residence | Purchase | NA | 4943091 | Investor Post-Close | No |
| XXXX | xxxxxx0491 |  |  | Closed | 2025-07-28 03:31 | 2025-07-30 10:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4960684 | N/A | N/A |
| XXXX | xxxxxx9207 |  |  | Closed | 2025-08-04 21:54 | 2026-02-18 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% does not exceed Guideline DTI of XX% . - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Supplement received indicating XXXXX/XXX #XXXX payment as $X/monthly. XXXXXXXXX has been updated and the DTI is now within guidelines - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. All credit cards were paid off. Only auto payment open still. Please refer to credit supplement. - Seller-XX/XX/XXXX <br> Counter-Our front end conforms to the tape and XXXX at XX.XX%. Our Other Monthly calculated to $XXX/month is reflected on the provided XXXX vs $XXX/month calculation on the XXXX<br>XXX#XXXX - $XXX/month<br> XXXX/XXXX#XXXX - $XX/month<br> XXXXX/XXX #XXXX - $XX/month<br>- Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. PITIA $X,XXX.XX, liabilities $XXX.XX into the approved total income of $X,XXX.XX results in a DTI of XX,.XX%. Liability XXXX verified paid in full - Seller-XX/XX/XXXX <br> Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Provide copies of statements on pages for XXX (XXXX), XXX (XXXX), XXX (XXXX), XXX (XXXX), XXX (XXXX) and entered same balance as per the statements.<br>XXXX account not mentioned in credit report tradelines, entered as per the information from statement. The UW DTI is XX.XX% and calculated DTI is XX.XX% which is X% difference due to tradelines not captured as per the information provided in the documents.<br>Need exception letter to cure the difference. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. All credit cards were paid off. Only auto payment open still. Please refer to credit supplement. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PITIA $X,XXX.XX, liabilities $XXX.XX into the approved total income of $X,XXX.XX results in a DTI of XX,.XX%. Liability XXXX verified paid in full - Seller-XX/XX/XXXX<br>| Resolved-Audited DTI of XX.XX% does not exceed Guideline DTI of XX% . - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% exceeds Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Supplement received indicating XXXXX/XXX #XXXX payment as $X/monthly. XXXXXXXXX has been updated and the DTI is now within guidelines - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX Account.jpg<br>XXXXXXXXXX_XXXXXXXXXXXX_XX.pdf |  |  | CA | Primary Residence | Purchase | NA | 5052843 | N/A | N/A |
| XXXX | xxxxxx9207 |  |  | Closed | 2025-08-04 23:28 | 2025-08-20 06:59 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. dry state funding - Seller-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. dry state funding - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXXXXXXX Cure package.pdf |  |  | CA | Primary Residence | Purchase | NA | 5053156 | N/A | N/A |
| XXXX | xxxxxx9207 |  |  | Closed | 2025-08-04 05:07 | 2025-08-14 02:13 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire not required for Detached Condo. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Detach condo ~ SFR.No questionnaire need<br> - Seller-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. please provide HOA Questionnaire as property is Individual Condo Property - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Detach condo ~ SFR.No questionnaire need<br> - Seller-XX/XX/XXXX<br>| Resolved-HOA Questionnaire not required for Detached Condo. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5036951 | N/A | N/A |
| XXXX | xxxxxx9534 |  |  | Closed | 2025-08-26 07:38 | 2025-09-25 09:38 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX-XXXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower provided as a Finding and confirmation the appraisal was delivered to the borrower on Pg #XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX,XXXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower is Missing and confirmation the appraisal was delivered to the borrower – see Pg #XXX. (This will be resolved once the executed appraisal disclosure is received). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX-XXXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower provided as a Finding and confirmation the appraisal was delivered to the borrower on Pg #XXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 5315956 | N/A | N/A |
| XXXX | xxxxxx9534 |  |  | Closed | 2025-08-26 09:04 | 2025-09-25 09:35 | Resolved | 1 - Information C A | Compliance | Mavent | License: EffectiveDate | Resolved-Resolved. Lender provided supporting documentation they are licensed to fund in Texas and are pending a change of address update. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-License printout for Texas indicates it was only renewed through XXXX. Provide evidence the lender can operate in the state of Texas through XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXX XXXX XXXXXXX XXX. NMLS ID: XXXXXXX valid through XXXX per NMLS search. Provide evidence lender is approved in Texas through XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided supporting documentation they are licensed to fund in Texas and are pending a change of address update. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX NMLS note.pdf<br>XXXXXXXXXXXX NMLS.pdf<br>XXX XXXX - License Email XXXXXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5317942 | N/A | N/A |
| XXXX | xxxxxx9534 |  |  | Closed | 2025-08-26 08:27 | 2025-09-16 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The large deposit is within XX% of the monthly average per GL. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provide a valid source of large deposit on X/XXXX per GL section X.X.X or remove the large deposit from the income calculator and revise applicable documentation (XXXX/XXXX/worksheet). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Lender income worksheet on page #XXXX monthly net income does not match the income on XXXX/XXXX and did not remove the large deposit on X/XXXX although the deposit detail reflected the disallowed deposit on page #XXXX. Provide the revised income worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The large deposit is within XX% of the monthly average per GL. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX final XXXX as X.X.pdf<br>XXXXXXXXXXXX NON BUS RELATED as X.X.pdf<br>XXXXXXXXXXXX final XXXX as X.X.pdf<br>XXXXXXXXXXXX BANK STMT INCOME CALC WS as X.X.pdf<br>XXXXXXXXXXXX Note.pdf |  |  | TX | Primary Residence | Purchase | NA | 5316952 | N/A | N/A |
| XXXX | xxxxxx9534 |  |  | Closed | 2025-08-25 23:28 | 2025-09-04 06:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure CD provided on page XXX dated XX/XX/XXXX is not executed. Provide signed final CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 5312308 | N/A | N/A |
| XXXX | xxxxxx9534 |  |  | Closed | 2025-08-26 00:01 | 2025-09-04 03:42 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to Receive Appraisal uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Right to Receive Appraisal document as its missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Right to Receive Appraisal uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX RtR.pdf |  |  | TX | Primary Residence | Purchase | NA | 5312689 | N/A | N/A |
| XXXX | xxxxxx3190 |  |  | Closed | 2025-08-22 01:46 | 2025-08-26 09:07 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD uploaded. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-As per gift letters and wire transfers, the Gift Funds for $XX,XXX.XX are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-PCCD uploaded. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXX XXXX_PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 5276902 | N/A | N/A |
| XXXX | xxxxxx3190 |  |  | Closed | 2025-08-22 01:41 | 2025-08-22 01:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5276885 | N/A | N/A |
| XXXX | xxxxxx3190 |  |  | Closed | 2025-08-22 01:41 | 2025-08-22 01:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXXXX.XX(a)(X)(i)) "This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, and HPML Page # XXX.The loan meets HPML guidelines, resolved. "<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5276886 | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-08-25 04:54 | 2025-09-02 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Final XXXX & XXXX with corrected Qualifying Income uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Lender Comment: Rental income was removed because it was not needed. The debt ratio is below XX%. Updated XXXX and XXXX removing rental income from XXXX XXXXX XX. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached updated XXXX and XXXX with updated rental income for REO. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower is getting the rental income amount of $XXXX.XX but on page#XXX we have the worksheet but in that rental income didnt mention, Provide the rental income worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Lender Comment: Rental income was removed because it was not needed. The debt ratio is below XX%. Updated XXXX and XXXX removing rental income from XXXX XXXXX XX. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached updated XXXX and XXXX with updated rental income for REO. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX & XXXX with corrected Qualifying Income uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.pdf<br>XXXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 5296755 | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-08-26 07:51 | 2025-08-28 07:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The documentation was sufficient to resolve the finding. Letter of explanation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The application indicated the Borrower is converting the primary residence to an investment property. However, the loan file does not contain evidence of the taxes and insurance for the property. Further, the evidence the property is free and clear of the incumbrance of a mortgage was not evident. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-The documentation was sufficient to resolve the finding. Letter of explanation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXX - XXXX X XXXX REO.pdf |  |  | NC | Primary Residence | Purchase | NA | 5316210 | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-08-26 06:59 | 2025-08-28 07:08 | Resolved | 1 - Information C A | Compliance | Mavent | ApplicationRule: General | Resolved-Explanation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Since this is a purchase of a primary residence, the borrower will be converting their current address, XXXX X XXXX XX, into an Investment property after moving into the subject property, XXX XXXXXXXXX XXX. Let me know if an updated application is still required to clear this condition. - Seller-XX/XX/XXXX <br>Open-The final application contained in the loan file reflects information that contradicts each other. Section Xa indicated the Borrower owns and resides in XXXX X XXXX XX; however, Section Xa indicated the address of XXXX X XXXX XX is an investment property. It could not be determined which of the two is correct. A corrected application is required to determine the residency of the Borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Since this is a purchase of a primary residence, the borrower will be converting their current address, XXXX X XXXX XX, into an Investment property after moving into the subject property, XXX XXXXXXXXX XXX. Let me know if an updated application is still required to clear this condition. - Seller-XX/XX/XXXX<br>| Resolved-Explanation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX - Conditions.pdf |  |  | NC | Primary Residence | Purchase | NA | 5315369 | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-08-25 02:30 | 2025-08-27 02:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report . Could not be located in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXX.XXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 5296221 | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-08-25 03:45 | 2025-08-26 07:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX.XX(a)(X)(i)) The appraisal acknowledgment Document is missing.<br>"This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX.XX(a)(X)(i)) The appraisal acknowledgment Document is missing.<br>"This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 5296432 | N/A | N/A |
| XXXX | xxxxxx7853 |  |  | Closed | 2025-08-26 04:39 | 2025-08-26 08:37 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Page #XXXX-XXXX Exception on page XXXX approved to waive the reserve requirement on the departing residence. Borrower has verified sufficient reserves of six months for the subject property. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Page #XXXX-XXXX Exception on page XXXX approved to waive the reserve requirement on the departing residence. Borrower has verified sufficient reserves of six months for the subject property. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $$XX,XXX.XX. Minimum Residual Income required per guidelines is $XXXX.  | FL | Primary Residence | Purchase | NA | 5313997 | Originator Pre-Close | Yes |
| XXXX | xxxxxx9953 |  |  | Closed | 2025-08-28 03:36 | 2025-09-02 05:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-The documentation received was sufficient to resolve the finding. Right to Receive the appraisal and receipt of the appraisal. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Right to Receive Appraisal document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Right to Receive the appraisal and receipt of the appraisal. - Due Diligence Vendor-XX/XX/XXXX<br>| Right to Receive.pdf<br>AIR Cert.pdf |  |  | NC | Primary Residence | Purchase | NA | 5343281 | N/A | N/A |
| XXXX | xxxxxx9953 |  |  | Closed | 2025-08-28 03:35 | 2025-09-02 05:17 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-The documentation received was sufficient to resolve the finding. Documentation supported the Borrower not participating in Homeownership Counseling. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Homeownership Counseling Disclosure document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Documentation supported the Borrower not participating in Homeownership Counseling. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| Counseling_XXXX.pdf<br>URLA_XXXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 5343278 | N/A | N/A |
| XXXX | xxxxxx9953 |  |  | Closed | 2025-08-28 02:23 | 2025-09-02 02:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated HoX Policy uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is prior to the Note Date of XX-XX-XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date is XX/XX/XXXX which is after the closing and disbursement date of XX/XX/XXXX. Please provide evidence of insurance prior to disbursement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated HoX Policy uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is prior to the Note Date of XX-XX-XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| HOI_XXXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 5343031 | N/A | N/A |
| XXXX | xxxxxx9953 |  |  | Closed | 2025-08-28 02:38 | 2025-09-02 02:00 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Wire Proof for EMD $X,XXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Purchase Agreement (page XXX), Final Application (page XXX) and Final Closing Disclosure (page XXX) reflect the earnest money deposit to be $X,XXX (Purchase Agreement payable and delivered by effective date the cash for due diligence of $X,XXX and EMD of $X,XXX). The loan file contained evidence of the earnest money deposit of $X,XXX with a copy of the official check (page XXX) and bank statement (page XXX) reflecting the withdrawal. However, the due diligence amount of $X,XXX was not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Wire Proof for EMD $X,XXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| Assets_XXXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 5343074 | N/A | N/A |
| XXXX | xxxxxx1579 |  |  | Closed | 2025-09-04 21:22 | 2025-09-12 05:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Mailing address used as XXXX XXXXXXXXXXX which is investment property. In file Borrower consent form pg-XXX also changed/fixed mailing address to reflect primary address, but XXXX document still reflecting mailing address as subject property (investment). And REO Xb reflecting taxes and insurance separately where per MTG statement pg-XXX T&I included in MTG payment pg- $X,XXX.XX and NO HOA fees as per LOX pg-XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX UPDATED XXXX.pdf |  |  | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 5420774 | N/A | N/A |
| XXXX | xxxxxx9284 |  |  | Closed | 2025-09-02 08:52 | 2025-09-08 02:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation Sheet Provided with the updated income, Updated into system & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator reflects the wrong amount for qualifying income when compared to XXXX, XXXX, and income calculation per audit. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested Income Calculation Sheet Provided with the updated income, Updated into system & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| New XXXX XXXX and approval XXXXXX XXXXXX.pdf<br>XXX XXXXXX XXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 5378572 | N/A | N/A |
| XXXX | xxxxxx9284 |  |  | Closed | 2025-09-02 08:06 | 2025-09-04 17:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the XXXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX-XXXX. Delivery confirmation on page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the XXXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX-XXXX. Delivery confirmation on page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 5377785 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-09-04 06:51 | 2025-09-11 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD received and reviewed. Mavent has been run successfully. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title fees (Title - Notary Fee) is paid to a provider that's not on providers list, but the fee is still in section B - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD received and reviewed. Mavent has been run successfully. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | 5406887 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-09-04 05:00 | 2025-09-09 03:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested Final XXXX with Ethnicity Information Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Require updated final XXXX with HMDA / Ethnicity info of borrower which is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Final XXXX with Ethnicity Information Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 5405752 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-09-04 08:55 | 2025-09-09 00:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Resolved-Updated Income Worksheet Provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per review of income worksheet on page XXX the qualifying income is $XX,XXX.XX and Final XXXX income provided by borrower is $XX,XXX.XX but the final review and calculation of DTI considered by UW is $XX,XXX.XX. Need clarification - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Income Worksheet Provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX Inc Cal wrksht.pdf |  |  | CA | Primary Residence | Purchase | NA | 5409503 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-09-02 02:45 | 2025-09-11 07:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Reopened with PCCD run. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-Reopened with PCCD run. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5375038 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-09-02 02:45 | 2025-09-11 07:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Reopened with PCCD run. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-Reopened with PCCD run. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5375039 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-16 10:12 | 2025-09-25 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. credit supplement showing history - Seller-XX/XX/XXXX _xXXXX_<br> Open-Housing History Does Not Meet Guideline Requirements Missing Private Party Note housing history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. credit supplement showing history - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Credit MTG Rating.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5554859 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 00:51 | 2025-09-25 05:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. updated final XXXX - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Incomplete Borrower owns the current address and refinancing the property but the REO section reflects blank. Provide updated Final XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated final XXXX - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Final XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531275 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 02:59 | 2025-09-24 04:40 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved with Mavent run - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Resolved with Mavent run - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XX initial CD.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531589 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 03:25 | 2025-09-22 04:24 | Resolved | 1 - Information C A | Credit | Credit | Missing proof of debt payoff(s) | Resolved-Payoff proof for XXXXX X. XXXXXXXX per PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. payoff statement - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing payoff for mortgage - XXXXX X. XXXXXXXX per final PCCD. Provide the payoff statement for the mortgage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. payoff statement - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Payoff proof for XXXXX X. XXXXXXXX per PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XX payoff.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531668 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 02:59 | 2025-09-18 07:51 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-PCCD updated, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-IF you look at the PC CD provided it shows the disbursement date is X/X and the prepaid interest is a credit back from X/X-X/X. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-IF you look at the PC CD provided it shows the disbursement date is X/X and the prepaid interest is a credit back from X/X-X/X. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-PCCD updated, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531587 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 03:11 | 2025-09-17 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document with corrected P&I amount provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. corrected XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The P&I on Note document is $X,XXX.XX whereas the XXXX document reflects P&I $X,XXX.XX. Provide updated XXXX document with corrected P&I - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. corrected XXXX - Seller-XX/XX/XXXX<br>| Resolved-XXXX document with corrected P&I amount provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX #XXXX Final XXXX X-XX-XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531631 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 02:59 | 2025-09-29 07:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-it says this is resolved so why is the condition open? do you need something else from me? - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have all been cleared. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-do you need something for this? the condition states it is resolved but it is still showing as open condition. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-it says this is resolved so why is the condition open? do you need something else from me? - Seller-XX/XX/XXXX <br>Ready for Review-do you need something for this? the condition states it is resolved but it is still showing as open condition. - Seller-XX/XX/XXXX<br>| Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have all been cleared. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531588 | N/A | N/A |
| XXXX | xxxxxx9042 |  |  | Closed | 2025-09-15 02:59 | 2025-09-29 07:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-it says this is resolved so why is the condition open? do you need something else from me? - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have all been cleared. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-do you need something for this? the condition states it is resolved but it is still showing as open condition. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-it says this is resolved so why is the condition open? do you need something else from me? - Seller-XX/XX/XXXX <br>Ready for Review-do you need something for this? the condition states it is resolved but it is still showing as open condition. - Seller-XX/XX/XXXX<br>| Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Reopened with Mavent run. HPML checks have all been cleared. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5531585 | N/A | N/A |
| XXXX | xxxxxx3312 |  |  | Closed | 2025-09-17 02:05 | 2025-09-23 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated Final HUD-X reflecting Gift Funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Borrower has gift letter at page #XXX with the gift amount of $XX,XXX and receipt of gift on page #XXX, however the gift amount is not included on the final settlement statement. Provide a revised settlement statement.<br>- Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Final HUD-X reflecting Gift Funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX HUD X.pdf |  |  | TN | Investment | Purchase | NA | 5563821 | N/A | N/A |
| XXXX | xxxxx8481 |  |  | Closed | 2025-09-17 10:54 | 2025-09-24 09:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received the LE with a COC to show the change in the appraisal fee - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(f)(X)(v)). COC is missing for "Appraisal Fee" has increased from Initial LE($XXX) to Initial CD($X,XXX).<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received the LE with a COC to show the change in the appraisal fee - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX X XX CC.pdf |  |  | WA | Primary Residence | Purchase | NA | 5571787 | N/A | N/A |
| XXXX | xxxxx8481 |  |  | Closed | 2025-09-17 08:08 | 2025-09-24 03:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial XXXX for Co-Borrower Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Co-Borrower Initial XXXX Is missing file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial XXXX for Co-Borrower Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | 5567131 | N/A | N/A |
| XXXX | xxxxx8481 |  |  | Closed | 2025-09-17 08:27 | 2025-09-24 03:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested DOT with Co-Borrower Sign Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Co-Borrower Signature information is missing in DOT. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested DOT with Co-Borrower Sign Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | 5567586 | N/A | N/A |
| XXXX | xxxxxx1386 |  |  | Closed | 2025-09-22 07:23 | 2025-09-29 08:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.X month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. X/X/XX matrix shows X months reserves for a primary purchase > XX% LTV plus X months for each additional financed property which the borrower has X other financed property. Total required reserves are X months and borrower has X.X months available. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-will be sending to management<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Lender provided updated approval changing matrix date from X/XX/XX to X/X/XX. Please provide a copy of the X/X/XX guidelines and matrix as applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower is short reserves. Per the matrix, X months are required when the LTV is over XX% plus X months additional for each financed property, so a total of X is required and only have X.X months. Missing additional reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-will be sending to management<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.X month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. X/X/XX matrix shows X months reserves for a primary purchase > XX% LTV plus X months for each additional financed property which the borrower has X other financed property. Total required reserves are X months and borrower has X.X months available. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXX XX XXXX X.pdf<br>matrix .jpg |  |  | FL | Primary Residence | Purchase | NA | 5615984 | N/A | N/A |
| XXXX | xxxxxx1386 |  |  | Closed | 2025-09-17 03:32 | 2025-09-29 08:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML guidelines, resolved.<br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, XX, the appraisal disclosure was provided to the borrower Pg # XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML guidelines, resolved.<br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, XX, the appraisal disclosure was provided to the borrower Pg # XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 5564146 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-30 12:01 | 2025-10-23 13:42 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5722388 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-30 12:01 | 2025-10-23 13:41 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (FEDXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5722390 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-30 12:01 | 2025-10-23 13:41 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received clarifying documentation, compliance is passing and finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5722389 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-30 11:46 | 2025-10-23 13:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Undisclosed Debt Monitoring. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |  |  |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5722121 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-21 23:59 | 2025-10-10 00:59 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure - Seller-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Anti-Steering Disclosure - Seller-XX/XX/XXXX<br>| Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| anti steering XXXXXX.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5612782 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-23 11:28 | 2025-10-10 00:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Executed Texas Home Equity Receipt Of Documents provided. Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Receipt Of Documents - XXXXXX-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Receipt Of Documents - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Executed Texas Home Equity Receipt Of Documents provided. Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXX Receipt of Document Copies.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5637829 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-23 11:28 | 2025-10-10 00:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Acknowledgment of Fair Market Value of Homestead Property is Missing | Resolved-Executed Acknowledgment of Fair Market Value of Homestead Property provided. Resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Acknowledgment of Fair Market Value of Homestead Property is Missing - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Acknowledgment of Fair Market Value of Homestead Property - XXXXXX-XX/XX/XXXX <br>Open-Acknowledgment of Fair Market Value of Homestead Property is Missing - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Acknowledgment of Fair Market Value of Homestead Property - XXXXXX-XX/XX/XXXX<br>| Resolved-Executed Acknowledgment of Fair Market Value of Homestead Property provided. Resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXX Fair Market Value Disclosure.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5637830 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-23 11:56 | 2025-09-26 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-May Statement provided. Resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. May bank statement - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing XX/XX/XX Business Bank Statement used for Income Calculation missing from file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. May bank statement - XXXXXX-XX/XX/XXXX<br>| Resolved-May Statement provided. Resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XX XXXX Statement.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5638420 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-21 23:13 | 2025-09-25 05:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflects uncleared Alert<br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5612577 | N/A | N/A |
| XXXX | xxxxxx5972 |  |  | Closed | 2025-09-22 01:59 | 2025-09-24 00:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to Cancel document uploaded, Verified & entered in system - Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. NRTC docs - XXXXXX-XX/XX/XXXX <br>Open-Right of Rescission is Missing Missing Right of Rescission/Right to Cancel document missing from the file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. NRTC docs - XXXXXX-XX/XX/XXXX<br>| Resolved-Right to Cancel document uploaded, Verified & entered in system - Resolved - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXX NRTC docs.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5613380 | N/A | N/A |
| XXXX | xxxxxx0645 |  |  | Closed | 2025-10-06 21:57 | 2025-10-09 16:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX,XXX,XX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets XXXXX guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX,XXX,XX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets XXXXX guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | NE | Primary Residence | Purchase | NA | 5796224 | N/A | N/A |
| XXXX | xxxxxx0214 |  |  | Closed | 2025-10-09 09:14 | 2025-10-10 12:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-EMD Wire receipt provided. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD- Gift Funds - XXXXXX-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements • File is missing the wire receipt for the gift funds of $XX,XXX that was used for the Earnest Money Deposit. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD- Gift Funds - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-EMD Wire receipt provided. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| EMD - Gift.pdf |  |  | CA | Investment | Purchase | NA | 5837192 | N/A | N/A |
| XXXX | xxxxxx0214 |  |  | Closed | 2025-10-08 04:11 | 2025-10-10 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXXXXXXX XXXXXXXXX XXXXXXXXX Alerts Summary document shows a total of X High alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | CA | Investment | Purchase | NA | 5815981 | N/A | N/A |
| XXXX | xxxxxx0214 |  |  | Closed | 2025-10-08 03:41 | 2025-10-10 01:26 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXX XXX.pdf |  |  | CA | Investment | Purchase | NA | 5815869 | N/A | N/A |
| XXXX | xxxxxx4476 |  |  | Closed | 2025-10-09 22:23 | 2025-10-21 05:33 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Updated Final XXXX & XXXX uploaded with correct HOA dues, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents As per appraisal monthly Annual HOA was $XXX and Monthly will be $XX.XX but all closing docs considered the monthly HOA amount as $XXX. this is causing DTIs to be off<br>- Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX & XXXX uploaded with correct HOA dues, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXX XXXX XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5847668 | N/A | N/A |
| XXXX | xxxxxx4476 |  |  | Closed | 2025-10-09 22:18 | 2025-10-16 03:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud report shows "All Fraud Report Alerts have been cleared or None Exist".<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts As per XXXXXXXXX version XX/XX/XXXX page XX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided Fraud report shows "All Fraud Report Alerts have been cleared or None Exist".<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX fraud.pdf<br>XXXXXXXX XXXXX XXXXXX XXXX X.pdf<br>XXX.xxx _ Search - XXXX X.pdf |  |  | TX | Primary Residence | Purchase | NA | 5847648 | N/A | N/A |
| XXXX | xxxxxx4476 |  |  | Closed | 2025-10-09 22:44 | 2025-10-14 08:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 5847733 | N/A | N/A |
| XXXX | xxxxxx3698 |  |  | Closed | 2025-10-08 05:58 | 2025-10-14 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts A clear fraud report is required. The fraud report in file is showing uncleared alert. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 5816954 | N/A | N/A |
| XXXX | xxxxxx3698 |  |  | Closed | 2025-10-08 05:45 | 2025-10-14 05:26 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review. Provided XXXXX XXXXX on page XXX CU score is X.X.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXX XXX.pdf |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 5816801 | N/A | N/A |
| XXXX | xxxxxx3698 |  |  | Closed | 2025-10-08 18:15 | 2025-10-11 08:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX,XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX,XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 5831076 | N/A | N/A |
| XXXX | xxxxx9641 |  |  | Closed | 2025-10-17 04:15 | 2025-10-27 07:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Guidelines do not allow entity to sign note UW Exce Note signed with LLC - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX Exception.pdf |  | XXXX is X.XXX. Minimum required per guidelines is X.<br> Borrower(s) have X.XX months Reserves. Minimum required per guidelines is X months.<br> Personal Guaranty with Full Recourse. | NJ | Investment | Purchase | NA | 5927444 | Originator Pre-Close | Yes |
| XXXX | xxxxx8393 |  |  | Closed | 2025-10-17 10:01 | 2025-10-22 05:29 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient self-employment income documentation. | Waived-Exception received in Findings<br> Exception Reason: OTHER - XX Self Employed less than X years<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per XX, Self Employed for a minimum of X years and the business must be in existence for at least X years. Borrower X - Business Entity information page XXX-XXX reflects business formation date as XX/XX/XXXX. Provide additional documentation of self employment for X yrs - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Exception received in Findings<br> Exception Reason: OTHER - XX Self Employed less than X years<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX.pdf |  | Credit Score - XXX, XX Requirement Min XXX<br> Borrower Contribution - XX%, XX Requirement Min XX%<br> Tradelines- XX years extensive tradeline history, XX Requirement No Minimum<br> Consumer Payment History- No lates in history, XX Requirement XxXXxXX months | VA | Primary Residence | Purchase | NA | 5932490 | Originator Post-Close | Yes |
| XXXX | xxxxx8393 |  |  | Closed | 2025-10-17 10:04 | 2025-10-22 05:20 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Resolved. Asset statement dated X/X/XXXX for acct ending - XXXX iao $XXX,XXX.XX received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide asset statement dated X/X/XXXX for acct ending - XXXX iao $XXX,XXX.XX as reflected on the Asset Depletion Worksheet page XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Asset statement dated X/X/XXXX for acct ending - XXXX iao $XXX,XXX.XX received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXX X acct.pdf |  |  | VA | Primary Residence | Purchase | NA | 5932595 | N/A | N/A |
| XXXX | xxxxx8393 |  |  | Closed | 2025-10-17 10:25 | 2025-10-21 04:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial Closing Disclosure and XXX received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXXX: Missing Closing Disclosure Provide Initial CD and related XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Initial Closing Disclosure and XXX received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX CD.pdf<br>XXXXXXX X X CC.pdf<br>XXXXXXX CC.pdf<br>XXXXXXX X XX CC.pdf |  |  | VA | Primary Residence | Purchase | NA | 5932987 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-16 08:26 | 2025-10-21 12:29 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-corrected fee entry XX.XX - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see our XX findings attached with a Pass for the XX High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX <br>Open-Title fees (X. Misc Fee-Escrow) is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee (X. Misc Fee-Escrow) to section C. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see our XX findings attached with a Pass for the XX High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX<br>| Resolved-corrected fee entry XX.XX - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| Initial XX Pricing.pdf<br>XXXXX Final CD.pdf |  |  | NM | Primary Residence | Purchase | NA | 5915737 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-17 09:28 | 2025-10-21 12:22 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see our XX findings attached with a Pass for the XX High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($X,XXX.XX) exceed the (XX) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see our XX findings attached with a Pass for the XX High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| Initial XX Pricing.pdf<br>XXXXX Final CD.pdf |  |  | NM | Primary Residence | Purchase | NA | 5931503 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-17 09:28 | 2025-10-21 12:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ <br> Ready for Review-Please see our CE findings attached with a Pass for the NM High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX _xXXXX_ <br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXX.XX(e)(X); XX CFR XXXXXX.XX(e)(X); XX CFR XXXXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please see our CE findings attached with a Pass for the NM High-cost fees test. <br> XXXXXX is calling the Property tax installment 'transfer taxes' by mistake. Please see our Final CD which shows the property tax installment in prepaids section, it's not a transfer tax charge<br> - Seller-XX/XX/XXXX_xXXXX_ | Resolved- - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Initial XX Pricing.pdf_xXXXX_<br> XXXXX Final CD.pdf |  |  | NM | Primary Residence | Purchase | NA | 5931504 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-16 03:54 | 2025-10-21 00:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Cleared Alerts.pdf |  |  | NM | Primary Residence | Purchase | NA | 5912841 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-16 03:26 | 2025-10-17 14:18 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX _xXXXX_<br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXXX XXXXXXX SSR.pdf |  |  | NM | Primary Residence | Purchase | NA | 5912689 | N/A | N/A |
| XXXX | xxxxxx4895 |  |  | Closed | 2025-10-16 04:44 | 2025-10-21 12:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | NM | Primary Residence | Purchase | NA | 5913158 | N/A | N/A |
| XXXX | xxxxxx3952 |  |  | Closed | 2025-10-16 06:04 | 2025-10-30 04:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Correction affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Correction Affidavit for Notary date - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Deed of Trust is Incomplete Notary date on page #XXX showing as XX-XX-XXXX which is lower than the note date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Correction Affidavit for Notary date - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Correction affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Correction Affidavit.pdf |  |  | TX | Primary Residence | Purchase | NA | 5913844 | N/A | N/A |
| XXXX | xxxxxx3952 |  |  | Closed | 2025-10-16 06:43 | 2025-10-22 06:45 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Updated TRID page and re ran post compliance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX _xXXXX_<br> Open-Title Guaranty fee is paid to a provide that is not on providers list but the fee is reflecting in section B, move this fee to section C. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated TRID page and re ran post compliance. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | Loan_XXXXXXXXXX_POSTCLOSE_XXXX-XX-XXTXX_XX_XX.XXXZ.pdf |  |  | TX | Primary Residence | Purchase | NA | 5914261 | N/A | N/A |
| XXXX | xxxxxx3952 |  |  | Closed | 2025-10-16 07:27 | 2025-10-22 06:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate XX is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XXX and confirmation the appraisal was delivered to the borrower – see page # XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate XX is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XXX and confirmation the appraisal was delivered to the borrower – see page # XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate XX is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XXX and confirmation the appraisal was delivered to the borrower – see page # XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate XX is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XXX and confirmation the appraisal was delivered to the borrower – see page # XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | TX | Primary Residence | Purchase | NA | 5914748 | N/A | N/A |
| XXXX | xxxxxx3023 |  |  | Closed | 2025-10-24 00:43 | 2025-11-12 16:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Proceeds from refinance used for cash to close. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Please provide detail for XXXXXXXX account that was used, otherwise we do not show sufficient assets for the purchase. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-we didn't use the accounts below for qualifying assets. See snip that is uploaded. - Seller-XX/XX/XXXX <br>Counter-The XXXX indicates the source of funds is stocks/bonds. Please provide the source stock statement and the bank statement indicating the stocks/investments were liquated for closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached from our UW as a rebuttal - Seller-XX/XX/XXXX <br>Counter-Screenshot may not be accepted as evidence of assets. Per lender guidelines Account statements for the most recent month or quarter indicating opening and closing balances and reflecting a consecutive XX days of asset verification are required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. looks like somewhere along the way the borrower didn't want to use the XXXXXX XXX/stock accounts.<br>Our updated VOD screen shows "XXXXXXXX" and we have sufficient assets.<br>I would rebuttal and say we didn't use the accounts below for qualifying assets. See snip below:<br>- Buyer-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Asset X documents is missing from file. Provide statement for the Assets. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-we didn't use the accounts below for qualifying assets. See snip that is uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached from our UW as a rebuttal - Seller-XX/XX/XXXX<br>| Resolved-Proceeds from refinance used for cash to close. - Due Diligence Vendor-XX/XX/XXXX<br>| image.png<br>XXXXXXX UW rebuttal .pdf |  |  | OH | Investment | Purchase | NA | 6000341 | N/A | N/A |
| XXXX | xxxxxx3023 |  |  | Closed | 2025-10-24 00:43 | 2025-11-12 16:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Assets not used for qualifying, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-we didn't use the accounts below for qualifying assets. See snip of attached. - Buyer-XX/XX/XXXX <br>Counter-The XXXX indicates the source of funds is stocks/bonds. Please provide the source stock statement and the bank statement indicating the stocks/investments were liquated for closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached rebuttal from our UW - Buyer-XX/XX/XXXX <br>Counter-Screenshot may not be accepted as evidence of assets. Per lender guidelines Account statements for the most recent month or quarter indicating opening and closing balances and reflecting a consecutive XX days of asset verification are required.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document Uploaded. looks like somewhere along the way the borrower didn't want to use the XXXXXX XXX/stock accounts. Our updated VOD screen shows "XXXXXXXX" and we have sufficient assets. I would rebuttal and say we didn't use the accounts below for qualifying assets. See snip below: - Buyer-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Asset X documents is missing from file. Provide statement for Assets. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Assets not used for qualifying, Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| image.png<br>XXXXXXX UW rebuttal .pdf |  |  | OH | Investment | Purchase | NA | 6000342 | N/A | N/A |
| XXXX | xxxxxx2663 |  |  | Closed | 2025-10-23 04:22 | 2025-11-06 03:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Executed DOT provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Borrower X Signature not Provided in Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed DOT provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| mtg-rr-XX.pdf |  |  | LA | Investment | Refinance | Cash Out - Other | 5984349 | N/A | N/A |
| XXXX | xxxxxx3096 |  |  | Closed | 2025-10-31 01:19 | 2025-11-04 13:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception approved XXX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved XXX/XX/XXXX<br> - Buyer-XX/XX/XXXX <br>Open-Delinquent Credit History Does Not Meet XXXXXXXX Requirements Borrower has Charge-off account with XXXXXXXXX for $XX,XXX balance, exception on page XXX for account to remain open through closing as borrower has XX+ months cash out reserves to cover. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception approved XXX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months. | SC | Investment | Refinance | Cash Out - Other | 6078240 | Originator Post-Close | Yes |
| XXXX | xxxxxx2897 |  |  | Closed | 2025-10-31 03:55 | 2025-11-20 09:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec. letter no affiliations - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Counter-Does the seller have a letter or email stating there is not an affiliations. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-For the Affiliated Business Disclosure, the seller is stating they don't have a relationship. Does the suffice? - Buyer-XX/XX/XXXX <br>Open-Affiliated Business Disclosure missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Rec. letter no affiliations - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6078839 | N/A | N/A |
| XXXX | xxxxxx2897 |  |  | Closed | 2025-10-31 04:14 | 2025-10-31 04:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, XXX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, XXX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6078928 | N/A | N/A |
| XXXX | xxxxxx3093 |  |  | Closed | 2025-11-06 14:00 | 2025-11-12 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. policy uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy There is a Hazard Insurance discrepancy in regards to the premium/monthly amount. The Final CD/First Payment Letter/IEADS is based off a premium of $XXXX.XX / XX = $XXX.XX/month; however, the Insurance premium on the Dec Page, p XXX, reflects $X,XXX.XX / XX = $XXX.XX. Missing Dec Page that reflects $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| EXISTING HAZARD INSURANCE (X).pdf |  |  | AL | Investment | Refinance | Cash Out - Other | 6161623 | N/A | N/A |
| XXXX | xxxxxx3093 |  |  | Closed | 2025-11-06 14:42 | 2025-11-10 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Case-By-Case, Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXXXX state this is approved on case by case basis - XXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements The Borrower is living rent free with family from Aug XXXX per LOX that is signed by his father on p XXX. XX states: X.X.X EVIDENCE OF PRIMARY RESIDENCE All borrowers or guarantors must own or rent a primary residence. Evidence of primary occupancy is required. Borrowers living rent free may be considered on a case-by-case basis with compelling evidence of continued occupancy. Underwriting reserves the right to request additional documentation if occupancy concerns are present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Case-By-Case, Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | AL | Investment | Refinance | Cash Out - Other | 6162369 | N/A | N/A |
| XXXX | xxxxxx3093 |  |  | Closed | 2025-11-03 03:05 | 2025-11-10 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. exception received - XXXXX-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount There is an approved Exception on p XXX for the loan amount <$XXXk. The Loan amount is $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Underwriting Exception History (XXXX).pdf |  | DSCR of X.XXX (Min X.X), <br> FICO XXX (min XXX for this level). | AL | Investment | Refinance | Cash Out - Other | 6094461 | Investor Post-Close | No |
| XXXX | xxx5695 |  |  | Closed | 2025-11-06 04:12 | 2025-11-12 05:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Passport has been received and reviewed. File has been updated to reflect - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded PDF of passport which is located in file uploads in your system - XXXXXX-XX/XX/XXXX <br>Counter-The provided PDF listed as "ID-Passport" is corrupt and cannot be opened for review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to the file uploads which contain a copy of the borrower's passport. - XXXXXX-XX/XX/XXXX <br>Open-Section X.X.X. of XXXXXXXXXX states a requirement for the a copy of the borrower's driver's license, passport or State ID. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded PDF of passport which is located in file uploads in your system - XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to the file uploads which contain a copy of the borrower's passport. - XXXXXX-XX/XX/XXXX<br>| Resolved-Passport has been received and reviewed. File has been updated to reflect - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_Passport.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6150247 | N/A | N/A |
| XXXX | xxx5695 |  |  | Closed | 2025-11-06 08:12 | 2025-11-12 05:39 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved. XX document has been received and reviewed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XX - XXXXXX-XX/XX/XXXX <br>Open- XX document is missing from file. Document is required to confirm the originator's DSCR calculations, Qualifying FICO, etc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XX - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. XX document has been received and reviewed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_XX.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6153234 | N/A | N/A |
| XXXX | xxxxxx6110 |  |  | Closed | 2025-11-05 06:19 | 2025-11-10 13:16 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated the XXXX and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX. Liabilities have been updated - XXXXXX-XX/XX/XXXX <br>Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX%.Variance is X.XX due to the difference in all other monthly payment, our calculated all other monthly payment is tradelines $XXXX + REO property XXXX XXXXXXXXXX lane Rental $XXXX = $XXXX whereas underwriter has considered the total of $XXXX as per XXXX page XXX difference is $XXXX. Missing docs for trailer payment of X,XXX from the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX. Liabilities have been updated - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated the XXXX and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6130337 | N/A | N/A |
| XXXX | xxxxxx6110 |  |  | Closed | 2025-11-05 17:03 | 2025-11-05 17:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX XXXXXXXXXX, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX XXXXXXXXXX, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6147196 | N/A | N/A |
| XXXX | xxxxxx4681 |  |  | Closed | 2025-11-05 02:59 | 2025-11-07 01:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | NV | Primary Residence | Purchase | NA | 6128585 | N/A | N/A |
| XXXX | xxxxxx4681 |  |  | Closed | 2025-11-05 03:41 | 2025-11-05 03:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#'s XXX, XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NV | Primary Residence | Purchase | NA | 6128851 | N/A | N/A |
| XXXX | xxxxxx3099 |  |  | Closed | 2025-11-05 00:56 | 2025-11-13 11:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Formal exception in loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Reviewed. Exception approved. - XXXXX-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Exception on page#XXX<br> Exception for loan amount <$XXXk is approved. Loan amount is $XX,XXX at XX% LTV,<br>- XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Formal exception in loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XUnderwriting Exception History (XXXX).pdf |  | DSCR is X.XX. Minimum required per guidelines is X.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Credit Score is XXX. Minimum required per guidelines is XXX. | AL | Investment | Refinance | Cash Out - Other | 6128111 | Originator Pre-Close | Yes |
| XXXX | xxxxxx7995 |  |  | Closed | 2025-11-06 14:57 | 2025-11-25 12:39 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXX Completion Report is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Completion Report provided. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX Completion Report is Missing The XXXX completion report reflecting the property has been finished per plans and specs is missing from the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX Completion Report is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX Completion Report provided. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Property - Appraisal - Final Inspection.pdf |  |  | FL | Primary Residence | Purchase | NA | 6162956 | N/A | N/A |
| XXXX | xxxxxx7995 |  |  | Closed | 2025-11-06 15:31 | 2025-11-25 08:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided and updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial Closing Disclosure - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial CD provided and updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Initial Closing Disclosure - To Borrower XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6163454 | N/A | N/A |
| XXXX | xxxxxx7995 |  |  | Closed | 2025-11-05 09:16 | 2025-11-25 07:38 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Fully executed intent to proceed uploaded. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to proceed Missing in File. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Fully executed intent to proceed uploaded. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Intent to Proceed.pdf |  |  | FL | Primary Residence | Purchase | NA | 6133358 | N/A | N/A |
| XXXX | xxxxxx7995 |  |  | Closed | 2025-11-05 08:57 | 2025-11-24 03:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Requested initial service provider list provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Provide Service Provider List Missing in File. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested initial service provider list provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Initial LE XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6133027 | N/A | N/A |
| XXXX | xxxxxx2933 |  |  | Closed | 2025-12-01 01:50 | 2026-01-22 10:23 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-File appraisal and escrows - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-File appraisal and escrows - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. The loan meets HPML guidelines, resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate XX date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6424468 | N/A | N/A |
| XXXX | xxxxxx2933 |  |  | Closed | 2025-12-01 01:50 | 2025-12-12 10:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(f)(X)(X)). - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6424469 | N/A | N/A |
| XXXX | xxxxxx2933 |  |  | Closed | 2025-11-07 00:56 | 2025-12-01 01:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide the Initial Closing Disclosure and associated COC's. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| ClosingDisclosurePkg_XXXXXXXX__XXXXXXXX_XXXXXX.pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6166261 | N/A | N/A |
| XXXX | xxxxxx2933 |  |  | Closed | 2025-11-07 00:16 | 2025-11-24 00:36 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-The uploaded UDM report is within XX business days of closing, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. gap credit within XX business days of closing - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Provide updated GAP Report is within XX days of settlement date. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The uploaded UDM report is within XX business days of closing, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Preclose.pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6166093 | N/A | N/A |
| XXXX | xxx6691 |  |  | Closed | 2025-11-12 11:09 | 2025-11-17 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Resolved. XXXXXX provided letter of explanation. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out LOE - XXXXXX-XX/XX/XXXX <br>Open-Per guidelines section X.X, Cash-out proceeds must be used only for business purposes. The borrower/sponsor must confirm that the funds are for business use with documented reason(s) for cash-out via the following methods: X. Detailed completion of the Initial Loan Application cash-out use of proceeds section, or X. A detailed borrower/sponsor prepared executed letter of explanation. <br> The application reflects this was a rate/term refinance, but the borrower received $XXX,XXX.XX at close. Missing cash out letter. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out LOE - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. XXXXXX provided letter of explanation. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_Cash-out LOE.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6226499 | N/A | N/A |
| XXXX | xxx4194 |  |  | Closed | 2025-11-13 12:00 | 2025-11-18 09:53 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved - The Credit XX is added to file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX XX - XX - Uploaded XX - XXXXXX-XX/XX/XXXX <br>Open-The Credit XX is missing from file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX XX - XX - Uploaded XX - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - The Credit XX is added to file. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_XX.pdf |  |  | TN | Investment | Refinance | No Cash Out - Borrower Initiated | 6242876 | N/A | N/A |
| XXXX | xxxxxx0159 |  |  | Closed | 2025-11-12 04:35 | 2025-11-17 14:18 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Resolved. XXXXXX provided CU for the subject property. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The subject property address for this loan is XXXXX XXXXXXX XX. However, the additional valuation uploaded with the original zip file is for XXX XXXXXXX XXXXXX. There is also an appraisal representation provided on page XXX of the Documents. The form is not acceptable per the Property Valuation section of guidelines. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Rescind Finding. Xnd Val submitted on XX/XX with initial loan file. Check your File Uploads tab. - XXXXXX-XX/XX/XXXX <br>Open-A secondary valuation for the subject property in the form of an AVM, CDA or CVX approved third-party valuation provider is missing from file - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Rescind Finding. Xnd Val submitted on XX/XX with initial loan file. Check your File Uploads tab. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. XXXXXX provided CU for the subject property. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX XXXXXXX XXXXXX.pdf |  |  | MI | Investment | Refinance | Cash Out - Other | 6219908 | N/A | N/A |
| XXXX | xxxxxx0159 |  |  | Closed | 2025-11-08 03:12 | 2025-11-11 06:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX <br> XX-Final approved. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX <br> XX-Final approved. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Borrower has FICO score of XXX which is XXX points above the guideline requirements.<br> Borrower has over XX months reserves post close. Guidelines require X months of reserves | MI | Investment | Refinance | Cash Out - Other | 6182409 | Originator Pre-Close | Yes |
| XXXX | xxxxxx9645 |  |  | Closed | 2025-11-11 23:45 | 2025-11-13 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XXXXXXX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | FL | Second Home | Purchase | NA | 6218609 | N/A | N/A |
| XXXX | xxx0943 |  |  | Closed | 2025-11-19 22:01 | 2025-11-26 08:20 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Resolved. Provided property profile reports have been reviewed. REO and experience conform. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded correct REO Addendum - Seller-XX/XX/XXXX <br>Counter-The XX/XX provided addendum lists XXX X XXXXX XX in the borrower's experience without an accompanied Property Profile. The document is not in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded REO Addendum - Seller-XX/XX/XXXX <br>Counter-Provide previously stated addendum. Property profile for XXX X XXXXXX XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded REO Addendum with property profile for XXXXXX XX. The other property profiles are in your system. - Seller-XX/XX/XXXX <br>Open-Section X.X of guidelines states a Property profile is required for each property used to verify a borrower's experience tier. The following property is pending the required report:<br> XXX X XXXXX XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded correct REO Addendum - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded REO Addendum - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded REO Addendum with property profile for XXXXXX XX. The other property profiles are in your system. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Provided property profile reports have been reviewed. REO and experience conform. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_PP - XXXXXX XXXXXX.pdf<br>XXXXXXX_PP - XXXXXX XXXXXX.pdf<br>XXXXXXX_REO Addendum.pdf<br>XXXXXXX_REO Addendum.pdf |  |  | MI | Investment | Refinance | Cash Out - Other | 6315057 | N/A | N/A |
| XXXX | xxx0943 |  |  | Closed | 2025-11-19 01:54 | 2025-11-25 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Resolved. Client clarification has been received. XXXXXXXXX has been updated to reflect provided cert - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please rescind finding - there is no XXXX Community-Panel Number or XXXX map date available because the city is not mapped by XXXX and does not participate in the XXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXXX (XXXX).<br> Non-participating communities are not required to adopt XXXX's floodplain management regulations, and as a result, XXXX does not produce official Flood Insurance Rate Maps (XXXXX) or assign Community-Panel Numbers for these areas. <br> - Seller-XX/XX/XXXX <br>Open-Missing Flood Certificate The provided Flood Certifications (pg XXX - XXX) do not list a XXXX Map Number, Flood Zone, etc - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please rescind finding - there is no XXXX Community-Panel Number or XXXX map date available because the city is not mapped by XXXX and does not participate in the XXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXXX (XXXX).<br> Non-participating communities are not required to adopt XXXX's floodplain management regulations, and as a result, XXXX does not produce official Flood Insurance Rate Maps (XXXXX) or assign Community-Panel Numbers for these areas. <br> - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Client clarification has been received. XXXXXXXXX has been updated to reflect provided cert - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MI | Investment | Refinance | Cash Out - Other | 6299665 | N/A | N/A |
| XXXX | xxx3034 |  |  | Closed | 2025-11-18 23:00 | 2025-11-25 02:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Tile document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Title coverage is less than loan amount, provided updated Tile document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_Revised Prelim.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 6298830 | N/A | N/A |
| XXXX | xxx3997 |  |  | Closed | 2025-11-20 07:57 | 2025-11-25 06:47 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Escrow Waiver is Missing | Waived-Exception approved to impound property taxes only (blanket insurance policy) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo with approved exception to waive impounds of taxes - Seller-XX/XX/XXXX <br>Open-Escrows for taxes and insurance required per XXXXXXX. No escrows collected on Settlement Statement for Hazard Insurance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo with approved exception to waive impounds of taxes - Seller-XX/XX/XXXX<br>| Waived-Exception approved to impound property taxes only (blanket insurance policy) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_Credit Memo.pdf |  | Borrower REO experience - XX investment properties<br> Reserves - Post closing reserves are $XXX,XXX.XX. This represents XXX months of PITIA reserves. Actual reserves of XXX.XX months per asset screen. Required reserves X months.<br> DSCR X.XXX - This is X.XXX greater than the required X.XXX DSCR | OH | Investment | Refinance | Cash Out - Other | 6320472 | Originator Post-Close | Yes |

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## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxxx0134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4404 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx6122 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.2 | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx0636 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx8078 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx3573 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx2181 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.5 | XXXX |
| xxxxxx0035 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.61 | 60.61 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx8818 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxx6806 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.99 | 36.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5152 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.86 | 39.86 | XXXX | XXXX | -.0031 | AVM |  |  |  |  | 0.0 |  |  |  |  | XXXX | XXXX | -.0031 | 98.0 | 0.02 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1920 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0129 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5794 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.43 | 68.43 | XXXX | XXXX | .0083 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0083 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0491 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0077 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx9207 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 41.56 | 41.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1593 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx9534 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3190 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.93 | 89.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7853 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx9953 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx1579 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.48 | 79.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9284 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx3312 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Not provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx8481 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx1386 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0426 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0426 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx5972 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.46 | 67.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2438 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx0645 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0214 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx4476 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3698 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx7146 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx9641 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx8393 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4895 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.88 | 45.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx3952 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3023 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx2663 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.33 | 69.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx3005 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3096 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.36 | 52.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| xxxxxx2897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1865 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.74 | 84.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3093 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx5695 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.78 | 68.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6110 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx4681 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3099 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7995 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2933 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.04 | 62.04 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx6691 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 64.78 | 64.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxx2214 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.2 | 79.2 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx3779 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx4194 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.67 | 76.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxx5037 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.02 | 75.02 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx1760 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx0159 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| xxx9319 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | -.0140 |  | XXXX | XXXX |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx0048 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9645 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxx5326 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx2830 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.37 | 48.37 | XXXX | XXXX |  |  | XXXX | XXXX | -.0128 | AVM | 0.0 |  |  |  |  | XXXX | XXXX | -.0128 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx0943 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | -.4224 |  | XXXX | XXXX | .0000 |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx3034 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxx3997 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | -.3853 |  | XXXX | XXXX | .0000 |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 5**

<u>Rating Agency Multi-Property Valuation Report v9.25</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| xxx9319 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx9319 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | -.0343 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | -.0343 | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx9319 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.63 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx6296 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx0048 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx0048 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx0048 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx0943 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.18 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| xxx0943 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx0943 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.20 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| xxx3034 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx3034 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx3034 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx3997 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.00 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| xxx3997 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 90.00 | XXXX | XXXX |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx3997 |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.00 | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |

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